vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX services XXXX XXXX # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Source Receivables Management LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: ERC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than XXXX  days since I originally wrote them.

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 2022-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-11-16 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: TN

Complaint narrative:
I have disputed with Transunion, XXXX and XXXX a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the XXXX XXXXXXXX. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is TransUnion and XXXX. XXXX will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the XXXX XXXX if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. TransUnion also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to TransUnion that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate

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 2022-11-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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:
When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXXXXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/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 2022-11-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account 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 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
XXXX XXXX is an illegal lender in the state of XXXX. I have tried to call them many times to address issues I am having with repayment. The company is unwilling to work with me. I told the company I was having some health issues and they demanded to look at the amounts I was paying for treatment through my bank account. They were also requiring a doctors note to assist with payment arrangements. The loan was {$900.00}. I have since paid {$1500.00}. 

Their agreement also does not allow customers to revoke XXXX. Their agreement states even if you revoke XXXX, if there is still a balance due, they can continue to draw on your bank account which is not legal from my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
In XXXX I received an auto loan from Exeter finance through XXXX XXXX in XXXX, La. Over the years I paid XXXX payments. I paid them double what the original amount of {$15000.00} sales price. At the maturity date of the loan XX/XX/XXXX they said I still owed Exeter close to {$10000.00}. ( XXXX XXXX of original sale price of the auto ) I cant get straight answers to how theyre applying interest especially when they offered me extensions. 
My loan matured in XX/XX/XXXX, Ive paid XXXX extra payments after the maturity date as I tried to figure out what the extra {$10000.00} was for and how I could have rectified or at least come to agreement with them. 
I tried to refinance the {$10000.00} and they told me I had to pay it all in full. 
They said that my account was over 100 days in the rear even though I have made XXXX payments since XXXX all the way up to XX/XX/XXXX. 
I didnt make a payment in XX/XX/XXXX because the email I requested of a full statement explaining how the interest and fees were applied to my account never was sent to me. 
They repossess my vehicle said they would only take a {$9000.00} payment which was the balance after the XXXX extra payments I made in XXXX and XXXX. 
I asked if I could refinance the {$9000.00} they said they dont do that. 
I researched online and discovered that Exeter has been sued by more than XXXX State Attorney General ( I know for sure in Michigan by XXXX XXXX ) where they had to pay millions back to consumers due to predatory practices so I am wondering if that is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX  XXXX- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2022-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX received an email from XXXX regarding an order, clicked the link in the email as it turns it was a scam. The said they needed to issue a refund, attempted to refund and added an extra 0, than advised to me to give remote access to my computer. They Transferred {$44000.00} from my business account to my personal account and then wire transferred {$50000.00} to a bank account in XXXX. Went to chase bank location on XX/XX/XXXX opened a claim with Chase. Advised them of all information I had and then Waited until XX/XX/XXXX of XXXX when Chase said that there was nothing they could do to retain my business money and the claim was denied and the case was closed. I do not feel like Chase advised me well. I had to call several different numbers and keep getting different information. Cyber Fraud was committed on both my business and personal accounts and I was not given good advice or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a disputed charge returned to my account for {$38.00} and i cant access it. The company has closed my account. i have confirmed with support agents the balance is there. 
My account was closed due to not having enough deposits each month. 
But the balance is still there. 
They claimed if i had a balance it would be sent as a paper check not more than 30 days from closure. However it is well over 30 days from being closed and this company is denying me access to my funds. 
the company is CHIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Account with Dave XXXX compromised. Suspicious activity began on on XX/XX/XXXX when an advance was requested. I attempted to remedy this situation with them many times and recieved no response. 

On XX/XX/XXXX, I consolidated my funds into the dave account to make a rent payment, and within an hour my funds were drained from the account by XXXX transactions. I had never done business with the merchant in question, and the merchant was based in New Jersey while I live in Florida. The charges were made using a digital card. 

I attempted to dispute these charges twice and each time was told the activity was consistent with past activity. During these investigations, the personal info on my account was changed multiple times. After realizing this, I asked Dave to freeze the account pending investigation and not allow any more changes. 

While waiting for a response my account was promptly closed and deleted and I no longer have any way to contact anyone over the phone. The only correspondence possible is via email where they continue to tell me the same thing.

Company response to consumer: Closed with explanation