vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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 XXXX # XXXX, has violated my rights. 

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

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

Company 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 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Please send me The Account Statement fot both accounts XXXX. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX oh XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 XXXX # XXXX, has violated my rights. 

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

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

Company 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 2022-09-04 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 XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: GA

Complaint narrative:
I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind XXXX and TRANSUNION of their duty pursuant to 15 USC 1681. It appears that XXXX is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. XXXX AND TransUnion have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Accounts disputed with Transunion are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called Portfolio Recovery Association this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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: MO

Complaint narrative:
This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from Experian. This resulted a decrease in my credit score AGAIN by XXXX points on Experian. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX  even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.

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 2022-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: OH

Complaint narrative:
Please send me The Account Statement for XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Negative information appeared on my credit reports. I checked into it and found that a collection agency named Southwest Recovery Service reported the negative information. XXXX XXXX  XXXX was the original creditor. I have never received any information on this delinquent account and when I called the collection agency, they made the issue even more confusing. I have now been informed that the debt relates to XXXX XXXX XXXX. This is my XXXX and I am responsible for the debts of this entity. However, my complaint is, why was I not informed of such a debt? why was I not given the opportunity to dispute it or pay it before it went to the credit agencies? I have requested a copy of the contract and all collections efforts made by Southwest or XXXX with no success. Under the fair debt collections act, I'm have certain rights and I need to verify this was not a fraud account before I pay it. Why are people so rude at Southwest when I am just trying to clarify an issue that affected my credit? 
I am requesting all documentation related to the debt in question, including the original contract with my signature where I agree to receive goods or services from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX XXXX  will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Collection company reporting a collection account that was paid. I paid the original debtor.

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 2022-09-04 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: OK

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 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 2022-09-04 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: OK

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: OK

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 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 2022-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This company is reporting late payments and is still showing on my credit when account is paid off.

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 2022-09-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. XXXX XXXX XXXX IN, has violated my rights and ALLY FINANCIAL has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX ET will be applied the next business day. 

Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 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:
The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.

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 2022-09-04 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:
The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
In response to your correspondence, YOU ARE IN VIOLATION OF 15 USC 1692c due to the fact that you did not receive written/verbal consent from me XXXX XXXX the consumer. 
Pursuant to 15 USC 1692g You did not VALIDATE the debt.

You are in VIOLATION of 15 USC 1692f ( 8 ) Your Logo is enclosed on the debt collection letter You Are in VIOLATION OF 15 USC 1692 due to violation of my privacy You are in VIOLATION of 15 USC 1692b ( 2 ) for stating that you are IN FACT A DEBT COLLECTOR You are also in VIOLATION OF 15 USC 1692e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

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 2022-09-04 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: T.S. Holdings
State: FL

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. IQ DATA INTERNATIONAL IN, has violated my rights and 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. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 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 XXXX XXXX # XXXX, has violated my rights. 

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

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

Company 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 2022-09-04 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: AR

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-04 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: UT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agenecy can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose

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