vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: We Collect Inc
State: OR

Complaint narrative:
I received a letter from Atlas Financial Services dated XX/XX/22. It was sent to my prior address in an envelope commonly used for " junk mail ''. It stated I owed XXXX  XXXX XXXX {$400.00} in principal and {$150.00} in interest for a total of {$550.00}. 

Atlas Financial did not include the language that I have 30 days to dispute the debt and are in violation of the FDCPA. 

I have sent a letter disputing the debt as my records show I paid XXXX  XXXX XXXX in full. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} XXXX  XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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 non-monetary relief
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

XXXX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent XXXX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to XXXX that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell XXXX to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to 60days. 

What the the XXXX is that? I AM THE CONSUMER AND CLEARY TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from XXXX stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that XXXX DO NOT follow Federal Law!!! XXXX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

XXXX is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations XXXX is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXX is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose XXXX is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse XXXX reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) XXXX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate XXXX and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN 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 2022-02-27 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 recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my 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 non-monetary relief
Consumer complaint received 2022-02-27 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 recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27 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:
In accordance with the Fair Credit Reporting act, the following XXXX  Accounts have violated my rights and are furnishing hard inquiries on my account : Account : XXXX  | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX Account : XXXX | Date : XX/XX/XXXX Account : XXXX XXXX | Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
Trinity Hope Associates does the 3rd party collections for XXXX XXXX I have multiple charges for the same dates & amounts : XXXX21- date assigned XXXX21- date reported- three identical charges of {$29.00} There are two charges for {$180.00} within a month of each other

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a Notification that a hard request for my credit file was made on XX/XX/22 by XXXXXXXX XXXX XXXXXXXX Located at XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX GA XXXX. I never gave this company permission to check my credit and did not apply to this company for a loan, credit card, or line of credit. This inquiry caused my credit score to decline by XXXX points. I contacted XXXX and filed a dispute stating it was either identity theft or a fraudulent transaction. They sent me an email stating their investigation was closed and the hard inquiry will remain on my credit report for 2 years. I want this item removed from my credit 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 2022-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got my loan in XXXX XXXX on my XXXX XXXX XXXX. Payments were to start in XXXX for {$100.00} per month. I setup auto pay so it would come directly out of my account, however I ended up in the hospital for about a month and during that time they hit my account twice. Since I wasn't working and in the hospital there was not enough money to cover the payments. Why I was in the hospital, the apparently repossessed my car for the {$210.00} I was behind and by the time I found out it was taken, they had already sold it at auction. They sent it to auction on XX/XX/XXXX. I was 2 payments behind. I received no notice, no information from them saying they took it and by the time I tracked it down, they had the vehicle for 3 weeks. On Monday XX/XX/XXXX I made arrangements to pick it up on Friday XX/XX/XXXX with the agent who called me. I received another phone call from XXXX on XX/XX/XXXX who works for XXXX, the collection company for Wilshire Consumer Credit and I told him I would be getting my car Friday and I already made arrangements with them. He then informed me that they sold my car that day.

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 2022-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NORTHWEST BANCSHARES INC
State: NC

Complaint narrative:
I had a car loan with Northwest Bank that was charged off in 2015. However, the interest has continued to accrue, which means that the balance continues to increase. I have informed the bank that my income is solely derived from XXXX benefits, which subjects me to a perpetual hardship. I have requested the post-discharge interest be discontinued but the request was denied. 

www.northwest.bank 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 2022-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XXXX XX/XX/21 {$6500.00} claim number # XXXX Acct ending in XXXX Bank of America prepaid processing serviceXXXX. I been trying to get this resolved multiple time and the bank customers service is giving me a hard time. I am frustrated because I been calling and sending them letter asking them to investigate and it's almost going on a year and a half still nothin

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 2022-02-27 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: AP

Complaint narrative:
In Reply to : Response of EXPERIAN Inc. Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : EXPERIAN Inc. and its member/Agent XXXX XXXX XXXX ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE EXPERIAN XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding EXPERIAN Inc. a Consumer credit reporting agency and its member XXXX XXXX XXXX XXXX XXXX reporting of false DECEASED inaccurate information on my EXPERIAN Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). Experian IncXXXX and XXXX XXXX XXXX XXXX, are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) .On XX/XX/2022 EXPERIAN filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your Experian credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following EXPERIANs XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent EXPERIAN Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) EXPERIAN INC AND ITS MEMBER/AGENT XXXX XXXX XXXX XXXX KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS EXPERIAN CONSUMER CREDIT FILE.. my multiple request to EXPERIAL and its member XXXX XXXX have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine EXPERIAN and its member XXXX XXXX for their continued violations of the act.

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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Possible Financial Inc
State: AR

Complaint narrative:
I'm telling you that account isn't mine that possible account that shows on my credit file. It isn't mine and I want someone to fix this. This isn't right

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I apply to go for a Bankruptcy in 2019 on XXXX but after I apply I change my mind and I decide to work with my bank to pay .On XXXX/XXXX/2019 they report on my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: WA

Complaint narrative:
Equifax Your listing that CREDIT CONCEPTS account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type XXXX XXXX XXXX XXXX and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing XXXX XXXX {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation