vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of James R. Vaughan, P.C.
State: NV

Complaint narrative:
I had started a payment plan with XXXX in XXXX. They took the initial payment. Now, almost a month later I receive a letter from a lawyer ( XXXX XXXX in Arizona ) saying they need my up to date information for service. XXXX retracted my account from XXXX and sold it to another company who went with a lawyer route. I had already made my initial payment to the payment plan, can I fight to stay on the payment plan to avoid garnishment? It does not seem right to me that they would cancel it for no reason, without letting me know, and sell it to another company.

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 2023-10-30 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
On all three of my credit report for each of the credit bureaus I have a number of hard inquiries that I do not recognize. I've tried reaching out for removal and they have refused to delete.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a job on XXXX. I was told i got the job the company added funds to my account and now XXXX bank is telling me this was a spam. And that they was closing my account and i couldn't open a new account. This isnt fair i was a victim of a spam and now i have to suffer. This account is where i received my unemployment at. Now i get double trouble i cant get my check and my bank account id being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings
State: FL

Complaint narrative:
SafeRent Solutions, Please see attached. 

I received a copy of my SafeRent consumer report and there are 4 addresses that do not belong nor pertain to me that need to be removed as soon as possible. 

Please see attached : - complaint - drivers license - social security card - address - copy of the report displaying 4 wrong addresses Once this is complete please send me a copy of an updated report.

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 2023-10-30 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. XXXX and Transunion not doing a proper investigation on the information being sent to them

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 2023-10-30 00:00:00
Product: Credit reporting 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: NY

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. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
he reason I am filing this complaint is because of the wrongful and damage this agency is doing to my credit history. 

I have signed a year lease with XXXX XXXX on Saturday XX/XX/. I never moved to the premises due to the unsafe environment I've found : neighbours using drugs right next to my apartment and growing weed in the garden. 

I called the police that same day and filed a complaint. I've also went back to the management office and told XXXX the property manager that this environment was unsafe for me and that this violates the Florida Health/Safety codes and I was to return my keys and the apartment that I never took possession to under Florida Statues Landlord Tenant 83.60 Attached there's the email I wrote to the leasing office XXXX XXXX XXXX XX/XX/ after several unreturned calls and I was giving up my deposit and first month. I have also spoke personally with XXXX on XXXX XXXX but he was not helpful at all and basically said that once I've signed I had to pay in full for the full lease even if I was not to live there. 

First infringement on this contract that suppose to be a drug free environment. 

The XXXX XXXX management kept my deposit and first month ( attached money orders ) as Early termination signed ( attached addendum early termination fees ) but after 3 years of the incident and probably due to new management in charge they send this account to collections via Ideal Collection Services. 

I've been disputing this case with the credit bureaus but the agency continues to claim this is mine because they are seeking to charge for it but under the Fair Credit Reporting Act this item must be removed as explained the reasons and because the XXXX XXXX already took the fees for early termination and this case was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing 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 to 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. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted XXXX, and Exeter Finance are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is my 4th time filing this complaint because AMEX refuses to provide the information requested IN DETAIL and keeps telling the CFPB that they've provided the information I requested and marks my new complaint as a " duplicate ''. Until the information requested is provided, this is NOT a duplicate complaint. 

The balance on my XXXX statement was {$5400.00} and I paid all but {$320.00} of the balance by the payment due date. AMEX says that as a result, {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 

I keep asking for the EXACT transactions used to come up with the {$4600.00} and AMEX refuses to answer that question. With the exact transactions used to come up with the {$4600.00} used to calculate the interest, I should be able to replicate the calculation and come up with the same daily accrued interest amount of {$100.00}. Moreover, they refuse to tell me why {$4600.00} of the charges were subject to interest fees when I only had a remaining balance of {$320.00} for 3 additional business days. 

I believe AMEX won't provide the requested list of transactions, because they do not know how the algorithm used to calculate monthly and trailing interest charges really works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordence with the fair credit reporting act XXXX. Account XXXX XXXXXXXX. And account 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

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 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
This company calls every day from Monday through Saturday. They will not give me any information just saying theyre a debt collection company. I do not have any debt as I have all my credit through XXXX XXXX to keep track of all payments. They will say because Im being unhelpful that they will end the call then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
After years of dealing with ultra low credit scores I have tried multiple different types of communication paths to get the correct information reported after having a credit account reporting that I was over due for payments and never reported any positive impact from any real accounts such as that show on time payments only information reported by trans union services reflected terrible credit history so much that I have not been able to find a single payday loan or anything after XXXX  years of paying with cash and only having paid bills for shelter and electricity and to receive only negative effects from the fact that all funding from my life can only come from myself as I am not awarded the luxury or right to have a opportunity to receive a loan to purchase a home for my family due to the inaccurate information depecting my family as untrustworthy to pay back or such a high risk that no such lender dare touch 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 2023-10-30 00:00:00
Product: Credit reporting 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: NY

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. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal 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 non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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