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

Complaint narrative:
I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX )XX/XX/XXXXXX/XX/XXXXCredit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

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 2022-06-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 2022-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX ; XXXX ; and XXXX. This is my 3rd attempt to get Experian to publish my consumer report in accordance with federal laws. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.

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 2022-06-06 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-06 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: CA

Complaint narrative:
I have some inquiries in my XXXX and Transunion credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/2021 XXXX Bank XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX

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 2022-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have some inquiries in my Equifax and XXXX credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX ) XX/XX/XXXX Credit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXXXX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I have recieved numerous offer letters from One main financial. The will call me constantly, they email me and now send me mail. I have never in the past requested, signed up for, or asked for any service through one main financial. I spoke with XXXX XXXX today on the phone at XXXX using the phone number XXXX. I discovered this company had all of my information to include my social security #. They have willfully and knowingly collected my information from a fraudulent source with out permission. They continue to harass me about their products all though I have blocked their phone numbers, blocked their email address when I get them. This company is knowingly soliciting services gathered from information I never game them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: D.B.F. COLLECTION CORP.
State: NJ

Complaint narrative:
In XXXX  I was renting an apt from XXXX management. This was during the pandemic and the rental company agreed to let me out of the lease and not have to pay back the 3 months rent that I owed. They told me I have to make a payment of XXXX and we would be " settled ''. Unfortunately, I am not an attorney or have an experience with this and we did this all by phone. On XX/XX/XXXX DBF collections represented by XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX, contacted me and told me I owe the landlord XXXX. I explained my side of the story to them, they told me they would not take any action until the situation was confirmed and resolved. This was false as they reported my alleged debt to a credit reporting agency. I asked for a court order proving that I owe money and was told they do not need one. I attempted many different times to resolve the debt and was told that its not on DBF, that the landlord does not want to resolve it on my terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
My vehicle XXXX XXXX XXXX XXXX lease was ending towards the end of XX/XX/XXXX. I wished to purchase it from Mercedes Benz Financial services and on XXXX I made the online payment of the entire amount due of XXXX after adjusting the {$6000.00} of security deposit held with them. thats a total of XXXX towards the car, sales tax on it and a couple of charges for documentation etc. I A couple of weeks later I called in to check on the status and a customer service rep said it will take a few more days. 

Then I called in another 2 weeks or so and was told on XXXX XXXX ( after being routed through several departments that the Original Title documents had some issue and they had to apply for a duplicate. 

After 2 to 3 weeks I called to get the status and was told that the duplicate was applied for on XXXX XXXX. ( AFTER 10 further days of delay ). A supervisor ( XXXX  ) told me that he will give me an update on the status on a weekly basis. But never called me back to update. 

Today XXXX XX/XX/XXXX I called again and demanded to speak with a supervisor or a XXXX and after close to XXXX minutes of holding was told that there are no supervisors to speak and said they can only arrange for a call back. 

After paying for the total cost of my car, I am yet to see the title of the car after 10 weeks. And no update from the company whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, EQUIFAX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
On XXXX XXXX XXXX I was traveling across the country alone, I was in Arizona this particular night when i used an app on my apple XXXX  called XXXX XXXX I booked a room at XXXX XXXX. My Apple/Goldman Sacs card was immediately charged which I did not use throughout my travels, I used my XXXX XXXX XXXX I did not like the unprofessional man in the lobby or the other man lurking. I immediately cancelled the reservation and left. I went to a XXXX XXXX XXXX XXXX and stayed. I've provided Apple credit card/Goldman Sacs all of the receipts for nearly one year. They refuse to remove the charge that happens every month, in which I dispute the charge and the whole thing just regenerates each month. I will NOT pay this fraudulent charge. I did not stay in the hotel, XXXX XXXX has no record of me nor does XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022 I opened a U.S bank checking account with the promo code of XXXX. It said if you have direct deposits of {$5000.00} or more I would get a {$500.00} bonus. I called U.S bank that same month to confirm that when I applied I has the promo code attached to my account the customer service representative I spoke with said yes, her name was XXXX. 
It is now XX/XX/2022 and I have yet to receive my {$500.00} bonus.

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 2022-06-06 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: TX

Complaint narrative:
There are 11 accounts that are reporting incorrectly on my credit report : XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, J. XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX 's, and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX Bank directly and advised that each account is reporting differently to XXXX, Experian, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

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 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I purchased a refrigerator from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, GA XXXX on Sunday, XX/XX/2022. The refrigerator, delivery, hook up and accessory came to {$2100.00}. I did not want to get a loan for the whole amount and I knew that I would pay it off very quickly. I made an initial payment of {$700.00} ; therefore, I was only getting a loan for {$1400.00}. Today I wanted to make another payment of {$1000.00} ; however, I inadvertently made a bi-weekly payment of {$130.00} so I made a second payment of {$850.00}. The account balance did not reflect those payment amounts. When I checked my bank account they debited {$110.00} and {$760.00}. The account is also showing an early purchase amount of {$1300.00}. I engaged in a chat online with a representative of American First Finance and none of the responses make sense to me. She said that my {$700.00} is a security deposit. I was not told anything about a security deposit when I made the purchase and if you look at the receipt from the store it clearly indicates they took cash in the amount of {$700.00} and the " Lease to Own '' amount is {$1400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On all three of my credit reports, it shows incorrect name, address, and phone. I have tried to correct the information with each of the credit reporting agencies, and they refuse to make the correction. My credit has been severely damaged by information that does not belong to me or has my correct name. I have also been denied new credit and turned away from a job because of this false information. I am at the end of my rope and thought the best thing to do is to come to your agency for help. I am asking for assistance in forcing the agencies, XXXX, Trans Union, and XXXX to immediately correct this information so that my credit score can be greatly improved.

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