vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
they did not delete a fraudulent collection on my report and they did not do a proper investigation. here is the following account Account info Account number XXXX Date opened XX/XX/2022 Account type Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: LA

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and id as it contains my full complaint and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Money was sent to to a lady on XXXX XXXX to hold a couch for me, i have now found out she was a scam! 
I contacted PayPal shortly after the money was sent but they refused to refund and closed the Investigaton. 

Transaction Details PayPal Transaction ID XXXX Transaction date XX/XX/2022 SENDER XXXX XXXX XXXX RECIPIENT XXXX XXXX XXXX Money sent {$45.00} USD Fee {$2.00} USD Paid with : XXXX XXXX XXXX XXXX {$47.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
I am a victim of identity theft. I have tried to work this out with the creditors but they have been unhelpful. Now Im reaching out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried two different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies 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 an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason Account name XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account info Account name XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX 
Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number 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 2022-06-21 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: CA

Complaint narrative:
i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXXXXXX XXXX XXXX XXXX According to the FCRA 15 USC 1681b it is illegal to report late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: CA

Complaint narrative:
i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: PA

Complaint narrative:
I do not have any association with this creditor. This was not approved and or authorized. 

XXXX XXXX Inquired on : XX/XX/XXXX Comment : Real Estate on behalf of XXXX XXXX  XXXX . This inquiry is scheduled to continue on record until 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 2022-06-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX  XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  reporting inquiries XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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 an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: American First Finance, Inc.
State: MO

Complaint narrative:
I am a victim of identity theft. I have tried to work this out with the creditors but they have been unhelpful. Now Im reaching out to you for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank is the lienholder of my car loan. For the better part of a year, US Bank has refused to deliver the title to my car to the state I relocated to. I have been in regular email communication on this matter and have already submitted a complaint that was " answered '' but not resolved. I received a citation for expired tags because I am unable to register my car with the state-to-state title transfer. My car payments have not stopped but my ability to sell my car or legally drive has been interfered with by the business practices of US Bank. US Bank has a system of communication that prevents any meaningful attempts at problem-solving. Employees are only allowed to send a set number of form emails and can not actually problem-solve for customers. After you have been writing to US Bank for more than 90 days, the email you have been corresponding with expires and your only choice is to start over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
In XXXX of XXXX, I sent a dispute letter to Transunion is regards to an account that is listed on my consumer report. The account is XXXX Account number XXXX, I requested that they investigate this account to ensure the accuracy of the reporting, as I have a right too. On XX/XX/XXXX I received a letter stating the account was " verified, '' On XX/XX/XXXX I submitted a letter exercising my right under 15 USC 1681i : Procedure in case of disputed accuracy. In the letter I requested that they send a detailed report of how they investigated ( verified ) that account, according to congress they have 15 days to either provide that information or delete the account. As of XX/XX/XXXX they have done neither which is a clear violation of my rights as a consumer. 
File # : 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 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Although my number is private and I have only had this number a few years and know who I have given my number to including for business, relatives and friends, a company called First National Collection Bureau XXXX, out of XXXX, Nevada recently tried to contact me using a spoofing technique which should be illegal if it is not, using different area codes and seemingly fake phone numbers that showed on my caller ID in order to try to get me to answer the phone by I guess hoping they would trick me into thinking it was someone I know from my home area calling me because they were using area codes and prefixes from the area in which I live and when I tried to call the numbers back they were not. working numbers. They also sent a number of unwanted text messages regarding a debt that was not correct and that I dd not owe. 

After eventually answering to see what they wanted, they also seemed to ignore what I told them on the phone about disagreeing with this debt and not owing it and that it was past any statue of limitations to collect, they seemed to pretend like I did not give them an answer or response on the phone, because they later sent a letter to my mother 's home who is XXXX years of age harassing her in which they asked the same questions in the letter and asked me to reply by phone or mail or they would consider it a legitimate debt, although I had already told them over the phone that is was not legitimate and told them that I did not owe this debt they were asking for. I also told them that it had also been over 7 years and therefore past the statue of limitations to collect which they should have already knew, so I did not understand why they were contacting me anyway, other then to try to rob or take advantage of me, so they were doing nothing harassing me and by sending this letter to my moms home harassing her as well because she opened and read it to me over the phone which upset her. 

As of today, I seemingly have also started to receive calls from this company again using fake phone numbers and different area codes as I had stated above. 

I also found out that the letter they mailed, they had changed the date on the letter from what they told me on the phone to XXXX of 2016 instead of what they originally told me on the phone of it being XXXX of 2016, but either way it is past the statue of limitations. 

I had also informed them that this issue with a credit card company that originally contacted me about this debt over seven or eight years ago had already been settled, so again I did not understand why they would have this information or be contacting me about it unless they are trying to trick or scam me to send them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX, TN. The day I purchased said vehicle, I was told I had 7 days to return the vehicle. When I showed up on the 7th day, I was told I only had 5 days. The reason I want to return the vehicle is because it has been deemed unsafe to be driven on the road by THEIR warranty company ( XXXX XXXX ) after sitting in the repair shop 2 months. Their attorneys finally agreed to swap out vehicles, only if I did not get the new one inspected before signing the contract. Once I was told this, I left the vehicle on the dealership lot until an agreement could be made. After all, if I drive the vehicle and something happens that involves another driver, I will be held responsible due to driving an unsafe vehicle. The vehicle has been sitting on their lot ( all but this last payment paid with full coverage insurance ) since on/around XX/XX/XXXX. I have not heard from Bridge restXXXX since on/Around XX/XX/XXXX. I have also filed a complaint with the XXXX but Bridgecrest 's responses were not the total truth and I have since not heard from the XXXX  I need to return this vehicle and get all monies returned. If at all possible, the insurance fees would be appreciated too. 

I work rotating XXXX XXXX XXXX at a XXXX XXXX. This prohibits me from talking on the phone most days due to most offices being closed. If possible, I would appreciate a scheduled called from a representative on a day off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CA

Complaint narrative:
i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in Shellpoint 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that Shellpoint made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to Shellpoint re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to Shellpoint via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I took out a home equity back in XX/XX/XXXX for the amount of XXXX a XXXX period paying an interest rate of 10.99 % the home equity should have been paid off on XXXX I have made all my payments where they debit the money directly from the account. I was late for 3 payment and they defer those payments to the end of the loan at this time the new servicing company Select Portfolio Servicing is telling me that I still have an outstanding debt of XXXX I have try calling them to give me an amortization schedule of all the payments I have made, as well if there were any documentation that I would have signed that would have extended this loan that there should not be any since I never sign up for a refinance or modification since this is the answer they keep providing me that I had to do to still owe this money but they have not provided me with any evidence of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation