vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 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: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 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: TX

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. 

XXXX XXXX Account XXXX, XXXX XXXX XXXX Account Number:XXXX, XXXX XXXX XXXX Account Number:XXXXXXXX XXXX  Account Number:XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Account Number:XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXXXXXX 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 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 2022-11-09 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: CO

Complaint narrative:
On XX/XX/22, I spoke with personnel from Experian, XXXX, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

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 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Since XX/XX/2022 Ive been disputing this account that is not mine with no resolution. I was a victim of identity theft, my wallet was stolen, I've provided a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The car was paid off back in XXXX and I ask them can they remove it off my credit profile

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 2022-11-09 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: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09 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: AZ

Complaint narrative:
Experian has a collection account in my name for wish dont owe. The collection company is XXXX  XXXX .I called and disputed it along with the property XXXX I have a ledge with a set balance and they didnt care XXXX. Has a collection account on my credit report that is not in my name and the creditor is XXXX XXXX XXXX XXXX I disputed it and it has not changed

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 2022-11-09 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: MI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-09 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: MI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text last XX/XX/XXXX, from Bank of America asking if I had authorized a transfer for {$3400.00}, I hadnt. Please see below the text : Bank Of America Security : Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00}, Declined, XXXX XXXX, {$35.00}, XXXX XXXX XXXX, {$3400.00}, XXXX If you recognize this activity, reply YES. 
If not, reply NO. 
STOP to end text I was very busy at work, but was alarmed and answered the phone call immediately after I replied No to the text. The phone number was XXXX from Bank of America. The associate said my accounts had been compromised by fraud and that I needed to transfer the money out by XXXX into another account under my name. He instructed me to login to my BofA account, go to XXXX and create an account. It was all very confusing but I did make the transfers : {$1800.00} from my savings account and {$900.00} from my checking account, a total of {$2700.00}. 
I also received a text immediately before they called, please see below : BofA Security : Did you use your debit card ending in XXXX at : XXXX XXXX XXXX  {$35.00} Declined XX/XX/18? Reply YES or NO. Text STOP to end texts This last text, Ive realized later was from the real Bank of America. It seems to be a charge from a prison, where the criminal called from. 
The XXXX transfers I was induced to make were being processed at the same time with this {$35.00} charge on my account. I can provide a screenshot of the checking account activity with XXXX XXXX transfers and the inmate phone service charge of {$35.00} ( not copying here ) Bank of America should have had better cybersecurity filters. Apparently, it detected the {$35.00} charge, prompting a text, but it never linked to possibly 2 risky XXXX transfers, specially because it was already aware that other customers were victim of the scam previously as I learned later in the news ( see link below to an article of XX/XX/XXXX ) XXXX XXXX XXXXXXXX Im a XXXX XXXX XXXX, recent XXXX from college with a big student loan to repay. My hard earned money from my full time job was stolen from me but Bank of America declined to refund my savings and checking accounts. 
Please help me recover my money from these criminal activities that have been allowed ( covered up? ) by the banks!! It is outrageous they don't protect their clients. 
You are my last resort! 

Thank you!

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 2022-11-09 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: CO

Complaint narrative:
On XX/XX/22, I spoke with personnel from XXXX, XXXX, and Transunion about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

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 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX. I do not owe any money to XXXX  XXXX. I have never received a bill from XXXX indicating a balance due. 
XXXX. I have never received a Demand Letter from XXXX indicating if the amount due is not paid by XXXX date, collection action will begin XXXX. My payments for service are up to date [ no money for service is due ] XXXX. I have returned all equipment to XXXX XXXX for which I received a receipt.!! 
XXXX. XXXX has previously contracted for this with XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX, to which I provided the receipt and the same above information. It would appear XXXX is engaged in XXXX XXXX XXXX. 
XXXX. I have provided all this information to IC Systems XXXX IC Systems has NOW placed a derogatory item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX and XXXX XXXX are unfounded items I have no responsibility for.

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 2022-11-09 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:
XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paradigm Assets, LLC
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions. Please respond to this complaint with the Validation of debt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: AL

Complaint narrative:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
Security Credit Services LLC Starting in XXXX law- suit against myself was filed by this company regarding a credit card debt. XX/XX/XXXX, I was facing a serious health treat was not working at the time, as I was starting XXXX treatment. At that time an agreement form was completed at the court outlining my inability to pay. 
in XXXX, once again they filed a petition, where according to court documents the case was dismissed after they fail to service. Security credit services transferred/sold to several Attorney groups. a few weeks ago, I discovered even after case had been dismissed, they had placed a lean on the home dated XXXX. Security Credit Services not only placed a lien on a home after case was dismissed also failed to update /notify the XXXX XXXX court to update system indicating case had been dismissed. Due to this action, I'm having a hard time applying for a loan. During the last XXXX weeks have contacted every attorney group involved with this case and none has any records whatsoever of this file/debt. I have also contacted Security Credit Services

Company response to consumer: Closed with explanation