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: Incorrect information on your report — Account information incorrect
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
I noticed that the credit scores and balances were not correct and notified the companies of this. That the scores the were posting was about 100 points below my true credit scores. I have asked for these companies to correct this several times and they have not. Credit Karma and Lending tree wants the consumer to believe that their credit score is very low so they can trick them into using their vendors services and in doing having your credit ran at a cost of several inquiries on your report losing your credit score. They also report high balances that you have paid off, information on old closed accounts that shouldn't be reported.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. EQUIFAX, XXXX and XXXX ARE XXXX VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc.

Complaint narrative:
XX/XX/2020 the balance is now XXXX cos its digital asset ( XXXX ) I have requested them to allow me do a one time withdrawal as promised buy the company the company name is paxful.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation committed Fraud on my consumer report. I did not consent benefit nor authorize the collection on my report. According to the FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ), A consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I demand Credit Control Corporation remove immediately.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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 2022-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. Credit Acceptance Incorporation committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand Credit Acceptance Incorporation to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the 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 explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have long disputed this debt that appears on my credit. I have reached out to both the original creditor XXXXXXXX XXXX XXXX As well as the company that has purchased the debt Midland Credit Management and I have asked for a full and proper audit to be done. Not one using software that can give incorrect information. The reponse I have received is that a bill was sent to my address and that the account was opened using a phone number that is registered to me. This is false. I have not had a phone registered to me in over 8hrs. These companies have refused to provide me with information that is outlined in the FCRA and they are violating my rights. My next steps will be legal action against XXXX XXXX XXXX and Midland Credit Management for violating my rights and for unfair collection practices.

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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXXXXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
A finance company called Goodleap is financing a XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX. The initial finance company was XXXX and Goodleap bought them out and assumed the XXXX XXXX. XXXX is a scam and is ripping customers off. There is a XXXX  page XXXX XXXX class action lawsuit where you can view all of the complaints and class action lawsuits filed agains XXXX. XXXX has installed systems that do not work, fail and botched installs. They didn't contact my electric company even thought they claimed they did. My install was botched and is still not working. They have been out 4 times to fix it and it still is not fixed. I requested the system be removed and due to all of the complaints I have seen I do not want to deal with the problems their systems have. They are not taking care of the problems and is a constant issue I will not deal with. I requested Goodleap cancel my load because I was not going to pay for a system that does not work. To offer a compromise I suggested they send the loan money to me and I will pay them back if they were not willing to cancel my loan. They have threatened to put a lien on my property. The only lien they have rights to, according to the salesman that sold me they XXXX system is a mechanical lien. Goodleap is harassing me by calling me non-stop and sending me a bill with interest that is accruing. Goodleap, formerly LoanPal, needs to be held accountable for being affiliated with the XXXX companies bad business practices. The loan was signed in XX/XX/2021. The install was done about a month later. I can get exact dates for you. The sales person XXXX XXXX is claiming he didn't know XXXX was a scam and is trying to help people recover from XXXX scams on his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/22 I lost my prepaid debit card. I realized I lost my card when I arrived home and checked for my purse. I immediately checked my Mobile App to shut down my prepaid card and realized that XXXX fraudulent transactions had taken place on my account. ( XXXX & XXXX {$710.00} and {$19.00} ). I then called customer service to report my loss. I was able to block my card and to order a replacement. I was informed that I was unable to file a dispute while the transactions were still pending, although I verified the transactions were fraudulent. I followed procedure and filed a dispute on XX/XX/22 reference # XXXX. On XX/XX/22 within 24 hours I received an email stating my claim was denied. I think this is a travesty. what investigation takes less than 24 hours? This really put me in a bind, my direct deposit for my job is deposited into that account. All my money is now gone. I lost my card and acted quickly in replacing it, I did not have my PIN written down, I followed all the instructions in filing a dispute, but yet I was denied. I Need help.

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 Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.

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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an 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 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX, Equifax, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, Equifax, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, and Experian refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, XXXX, and Experian ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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 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 Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. XXXX, XXXX and EXPERIAN ARE CONTINU0USLY VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.

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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union, XXXX, and XXXX refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The XXXX XXXX XXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( Trans Union, XXXX, and XXXX ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX and XXXX are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me Transunion XXXX and XXXX are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft 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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
False Statements/XXXX XXXX XXXX Ive filed several complaints regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX They refused to send me a maintenance bill for XXXX my fully paid resort membership. 
I received a letter telling me to contact the crooked corrupt collection agency Aspen National Collections XXXX XXXX XXXX XXXX FL XXXX XXXX ; XXXX, who have added over {$500.00} to outstanding maintenance fee from XXXX. 

We purchased the membership under duress ( held against our will for over 8 hrs because we were XXXX with threats that we would have to pay outrageous fees for our stay ) in XX/XX/XXXX. We paid over a period of time for the membership in full. XXXX XXXX XXXX XXXX has never sent me a 1099 so I can file gor the Real Estate Taxes that were paid. In additionXXXX XXXX XXXX failed to credit my account for the week that U paid the maintenance fee for ( Total of 7 weeks outstanding, 2 extra weeks vacation ( total of 8 ) because of denial of service!!

Company response to consumer: Closed with non-monetary relief