vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: IL

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05 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: WI

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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) 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 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 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/2022, I compiled a package to send certified mail to Tower Loan XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which was received and signed for on XX/XX/2022. 

The package consisted of the following documents : 1. an Affidavit of Fact that included violations Tower Loan and its office ( s ) committed - signed and notarized, along with accompanying exhibits as evidence of said violations 2. a Debt Validation Letter to Tower Loan and its office ( s ) requesting signature, along with requested documentation that would validate the alleged debt in order for me to pay it 3. a Cease & Desist Letter to Tower Loan and its office ( s ) requesting signature, which would permit Tower Loan and its office ( s ) to contact me in writing ONLY, while awaiting their response to the Affidavit of Fact and Debt Validation Letter 4. an Invoice corresponding to violations committed by Tower Loan and its office ( s ), with each justifying a {$1000.00} fine per occurrence, totaling {$8000.00} Tower Loan and its office ( s ) were given 30 days to respond in writing, by which if not done, the Affidavit of Fact would indeed stand as fact. While waiting for their response, I was harassed repeatedly through 29 phone calls, subsequently violating the terms of the Cease & Desist Letter. Those 29 calls also violated the Telephone Consumer Protection Act ( TCPA ) 47 USC 227 ( b ) ( 1 ) ( A ) ( iii ). With accompanying proof of each call that violated this, I am seeking the allowable remedy of {$1500.00} per call, totaling {$43000.00}. This is in addition to the {$8000.00} remedy requested in the initial invoice referenced above.

Throughout this entire ordeal, Tower Loan and its office ( s ) has defamed my character, caused financial harm and sullied my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To remove all fraud alerts from all three credit reports and to remove lifts. Also my legal name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX not XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX so please correct it

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 2023-01-05 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: TX

Complaint narrative:
Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the experian XXXX under my login, so theres no reason for Experian to request verification docs.

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 2023-01-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have not received the title after the loan was paid off. TD Auto Finance says they never had the title and have repeatedly requested a duplicate from CA XXXX. CA XXXX says they have not received any request. CA XXXX also says a request must be made by mail, but TD Auto Finance refuses to use that method. It's already been almost 2 months since I paid off the loan and after speaking to Auto Finance XXXX or 3 times a week for the last 2 months, I feel hopeless that I will ever get the title. I need help. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: WI

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 confidentially under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) 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 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 2023-01-05 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: WI

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 confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XX/XX/2022, I sent Resurgent/LVNV an affidavit of truth to respond to, but I never received a response. 

Within my affidavit, I laid out the facts of my consumer rights that were violated. LVNV/Resurgent has not responded within 30 days of my dispute which also is a violation.

Attached, you will find documentation sent to the company outlining violations, exhibit showing the violations as well an invoice for the violations. 

Tracking number for the certified letter is ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: LA

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 of the XXXX XXXX creditor XXXX formerly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All 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 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 2023-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Received XXXX XXXX XXXX XXXX XXXX XXXX  enabled by XXXX XXXX from New York Community Bank. No date on letter. 

Even though I eventually found info on the XXXX website, this appears to be a fraudulent attempt to get a consumer to open up an account with this bank. In the small print it says 'If you do not agree to all the Cardholder Agreement Terms, you should cancel the card by calling customer service and request your funds in the form of a paper check '. I called both numbers on the letter which took me through to the same automated line. When you press 1 to get through to Customer Service you get an automated message wanting your to put in the card number and activate the account. I tried to chat and it was difficult to get past the robot- it doesn't understand anything to do with 'cancel card ' or 'request check '. After typing 'speak to an advisor ' it told me there was a 2 minute wait. Every 2 minutes I got the same message about 6 times and never got to speak to anyone. 

After finding a different number on the XXXX website I called that and there was a an automated message saying if you wish to cancel the account, to call the XXXX Customer Service number ( XXXX XXXX XXXX ) and choose option 4. This time I got through to the correct automated message which allows me to cancel the account and said there would be a XXXX week wait for a check. The date I cancelled my account is XX/XX/2023. 

New York Community Bank are making every attempt to get you to open an account with them and agree to all their fees without making it easy for you to request your XXXX XXXX XXXX XXXX XXXX by check. This is a disgraceful practice and without further investigation I would have dismissed this as a scam and missed my payment from the XXXX, or opened a bank account unwittingly with all the fees that are attached to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been disputing with XXXX Transunion and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX loan # XXXX Transunion and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and transunion even though i have multiple times. 

XXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between XXXX  transunion and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX Transunion and XXXX XXXX XXXX service- XXXX ( Transunion )

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been disputing with XXXX XXXX and Equifax since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX  loan # XXXX XXXX and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and XXXX even though i have multiple times. 

XXXXXXXXXXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian transunion and equifax. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b. The following collections need to be removed and all have violated 15 usc 1681
s-2b XXXX- XXXX XXXX and XXXX XXXX XXXX service- XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: DC

Complaint narrative:
At this time, CashApp is refusing to reactivate my debit card issued with the number XXXX. CashApp attaches their issued cards to one 's phone number, and allows one to create their own id hash tag, but their methods of portability is flawed when one obtains a new phone with a new number and wishes to keep their hash tag. My hash tag is $ XXXX, and CashApp refuses to transfer it to my new number. They respond to emails with worthless solutions that only lead you back to the same email, with the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-01-05 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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