vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon review of my EQUIFAX credit report, I am made aware of fraudulent activity on my credit file. There is a total of 9 inquiries on my report that have not been authorized by me in pursuit of any credit. These inquiries are fraudulent as i have not signed any applications for these companies nor have i made any request for the extension of credit. I have found numerous fraudulent unauthorized inquiries on my EQUIFAX file. Listed on my EQUIFAX report as of XX/XX/2023 is total of 9 fraudulent inquiries listed below : 1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX 4. XXXX, XXXX XXXX 5. XXXX XXXX, XXXX XXXX 6. XXXX ( XXXX ) I HAVE NOT AUTHORIZED ANY OF THESE COMPANIES TO ACCESS MY CREDIT FILE FOR ANY REASON. THERE HAS ALREADY BEEN A PRECEDENT SET FORTH REGARDING INQUIRY REMOVAL AS A RESULT OF IMPROPER USE OF MY USE OF MY CREDIT REPORT GIVEN THAT MY CREDIT REPORT HAS BEEN FURNISHED WITHOUT THE PROPER VERIFICATION AND CONSENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: NJ

Complaint narrative:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

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 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

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft. 
Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.

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 2023-06-24 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: DC

Complaint narrative:
I recently sent out a letter to request the description of the procedure used to determine the accuracy and completeness of the accounts in dispute below. The letter was mailed out XX/XX/2023 I still have yet to receive a reply from you or anything from your company to let me know the results of my dispute/request. It has been just shy of 60 days since mailing my request. 15 usc 1681i ( 7 ) states that you have 15 days to provide the description after you received the request. With that said you are currently in violation. As a consumer I have the right to request this information in connection with 15 usc 1681i ( 6 ) ( B ) ( iii ). In the previous letter I sent, it states my reason for disputing the items.

Below you will find the items listed again and I am requesting that yall reply within 5 calendar days.

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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app took hundreds of dollars out of my account leaving it in the negative. They proceeded to close my account. When I asked why, they gave me a link to terms and conditions and no explanation to what may have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
keep getting charge when i make an schled payment thy charge an extra XXXX bucks to pay on line when they say its free to make a payment with rep its XXXX bucke by auto system XXXX buckes these fees are not explaind to the customer when you get the loan pluse thy will not tell you how much of the payment goes to prinsable or intreast on the loan i asked but got told it alreADY FIGURED IN THE LOAN hidden fees not explaind

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 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. On XX/XX/ I took action with all credit reporting agencies to correct these inaccuracies, certified mail, with no relief! I have noticed a collection, trident asset management ) As collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from these agencies.l believe they are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. lf you'd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC Vs XXXX XXXX XXXX make clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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 account XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Late payment XX/XX/XXXX and late 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 2023-06-24 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED 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 2023-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
My student loans were consolidated under the company XXXX and I submitted a completed application for PSLF with qualifying payments. The customer service rep at XXXX XXXX assured me payment counts just needed to be updated and I would actually be receiving a refund for overpayment. THENmy loans were transferred to MOHELA. I resubmitted the same paperwork for the PSLF waiver and have contacted them via email and phone. My payment counts moved a bit, but not nearly what I have paid. Ive been a XXXX for 20 years at the SAME place of employment. Employee is verified. I feel that MOHELA is overwhelmed and they are not really looking at my history. The payments are to resume in XXXX and I should be waived for overpayment. Im struggling with how yo proceed. Please help a desperate XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Transunion has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana notifying them of their potential violation of state and federal law by providing Transunion with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged 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 2023-06-24 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: GA

Complaint narrative:
I have repeatedly contacted Bank of America to retrieve my money {$5000.00} I processed through XXXX. They have denied my claim citing they are unable to recover my funds. Bank of America encourage you to use XXXX and when you pay someone for goods and not get them, they are unable to get your funds. I strongly feel that Bank of America is not trying enough to retrieve my money. I was contacted by XXXX XXXX that she is selling her travel benefit with XXXX XXXX that i can use for a year and pay reduced airfare. My sister is terminally ill with XXXX and i travel often to go see her in XXXX. I sent her {$2000.00} onXX/XX/XXXX, {$1000.00} onXX/XX/XXXX and {$2000.00} on XX/XX/, for a total of {$5000.00}. I was supposed to start using benefit in XX/XX/XXXXand i have attempted to communicate with her via calls, text and voice messages but have been unsuccessful getting any response from her. Bank of America are in partnership with XXXX and encouraged me to do transactions using XXXX but are not willing to work with other banking institutions to recover my funds due to been a the victim of scam/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 explanation
Consumer complaint received 2023-06-24 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: IN

Complaint narrative:
I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt Transunion is using stall tactics by saying it isn't me but I provided proof that it was XXXX and XXXX has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.

Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. P
erpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I disputed my medical debt with XXXX and XXXX under the XXXX XXXX XXXX and they both removed this debt from my credit report due to a violation of my HIPPA rights. Experian is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to Experian about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.

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 2023-06-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Late payment XX/XX/XXXX and late XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have to them to send me the original contract with my signature they still havent deleted it off 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