vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: PA

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 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 U.S. Dept of Education XXXX XXXX XXXX U.S. Department of Education XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX 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 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 2022-06-25 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: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXXXXXX Balance : {$0.00}

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 2022-06-25 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: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a credit union, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on XXXX and XXXX, it was fixed before hitting Transition.

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 2022-06-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a credit union, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on XXXX and Equifax, it was fixed before hitting Transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a XXXX XXXX, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on Experian and XXXX, it was fixed before hitting Transition.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other XXXX Companies and Id like them removed.

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 2022-06-25 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 , U.S. Department of Education XXXX 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 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 non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXXXXXX account they stated they had purchased. I sent them a cease and desist letter as well as requested XXXX days to receive the info related to said account. They did not respond within 30 days and are now harassing me. 

Reference # XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2022-06-25 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: MD

Complaint narrative:
I requested multiple times for experian to reinvestigate a bankruptcy being reported on my credit report. I provided proof that XXXX has reinvestigated my claim and removed the inaccurate reporting of a bankruptcy on my credit report. Still Experian refuses to reinvestigate after I have provided additional information that I don't have a bankruptcy on file. They asked for proof, I provide proof but they still refuse to reinvestigate.

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 2022-06-25 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: DISCOVER BANK
State: OR

Complaint narrative:
To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all 3 Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. 

XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX and XXXX! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other 10 Companies and Id like them removed.

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 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One {$560.00} Last reported XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.

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 2022-06-25 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: MD

Complaint narrative:
I requested multiple times for XXXX to reinvestigate a bankruptcy being reported on my credit report. I provided proof that XXXX has reinvestigated my claim and removed the inaccurate reporting of a bankruptcy on my credit report. Still XXXX refuses to reinvestigate after I have provided additional information that I don't have a bankruptcy on file. They asked for proof, I provide proof but they still refuse to reinvestigate.

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 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Got a bill from Montgomery ward saying I owed them XXXX account number XXXX I did not buy anything from them but they keep sending me bills and now have sent me to a collections company I never ordered anything from them they have never called me for anything just keep getting letters in the mail I've called them about the they said report identity fraud so that's what I'm doing

Company response to consumer: Closed with explanation