vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XX/XX/XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # 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.

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 2022-07-04 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:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, prXX/XX/XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX  Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened a fraudulent account in my name i reached out to capital one multiple times about this account once i found out about it via my credit report. Captial One was very rude and unprofessional, they kept saying they couldn't find the account than they said that they sent something via email for me to fill out which was a lie as well, i am currently working with my family lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX  ) and Account # 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.

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 2022-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have a spousal consolidation direct student loan and am divorced from the co-maker. I am listed as qualified for the PSLF with 20+ more qualified payments than required FedLoan services the loan and has been been contacted and been unresponsive for months. My portion of the loans have not been forgiven despite my legal right to have this done under current non-waiver rules for spousal consolidation direct student loans, per the FAQ on the Dept of Ed student aid website. I can not get my case reviewed or updated by FedLoan. It is outrageous that I can not get my loans forgiven almost 2 years after qualifying. It is also outrageous that when they are forgiven, I will still have to continue paying my ex-husbands student loan debt off AND have his loans continue to be posted to my credit history. This is unfair and unreasonable. I am not the only person in this situation, and many are in an even worse situation with abusive or uncooperative spouses or ex-spouses who are loan co-makers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
There is a Debt collector trying to collect money from me that i never did business with. This company is Fraud! ( National Credit Adjust of XXXX XXXX for {$810.00}. I have NEVER did business with this company! They claimed it was opened XX/XX/XXXX, XXXX Demand this company to show Proof of any documents that i signed showing that we did business together!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX  XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
I have sent letters to XXXX, Transunion, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Acc # XXXX Transunion XXXX # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  Acc # XXXX XXXX Acc # XXXX XXXX  XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX I have attempted numerous of times to see if the debt belongs to me since it was obtained during a time I was in prison which was public records all the company keeps sending me is a letter with a past due amount and my name on it.. 
The same thing with portfolio recovery Now if the debt is mine I am requesting everything I am allowed bi law to obtain like payment history how made payment or purchases you know its six years old and all I get from these companies is a letter with my name and a past due amount.. if its mine I will accept responsibility but am not paying for something like that I dont remeber owing.. and all I keep getting is the same letter my name and a past due amount nothing nothing to say it was me.. please help me obtain the relief I am allowed bi law to help me fix my credit I dont want to report fraud to start another negative remark for 7 years just because these companies keep saying I owe them with a letter and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block this quickly. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
I have reached out to TransUnion and XXXX regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.

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 2022-07-04 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: IL

Complaint narrative:
I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to XXXX and Equifax regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2022-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I purchased a used car XX/XX/XXXX financed through Westlake Financial. The car was repossessed in XX/XX/XXXX. I did not get any paperwork saying the car was being sold nor did I receive paperwork saying the car had been sold and that I owed the balance. I recently was shown multiple violations to my auto contract and requested a copy of my contract from Westlake Financial XX/XX/XXXX and a week later, that's when I was served a citation through District court saying I owed. I do feel this was a adverse action but according to our signed contract, per the Westlake, we must go through Arbitration and not the courts. I filed a motion to dismiss and compel arbitration - no waiver of rights. I will show that his contract is subject to the Truth In Lending Act, and that Westlake is a creditor as defined in 15 U.S. Code 1602 ( g ). The term finance charge refers to the total of all charges, as defined by 15 U.S. Code 1605 ( a ). The finance charge, according to15 U.S. Code 1605 ( a ) ( 2 ), is supposed to include the Service Contract Fee and these charges were not included but charged additionally. The finance charge does not include cash comparables. I was charged a down payment in the amount of {$2500.00} Charging a down payment where no cash should have been included is a violation of TILA. This is a violation of 15 U.S. Code 1640 ( a ) for failing to comply with TILA. I was told that I must have insurance to take possession of the vehicle but it says in 12 CFR 1026.4 ( b ) ( 8 ) that property insurance is required, and because it is required it was supposed to be included in the Finance Charge. It was not included in the Finance Charge therefore you, the Creditor, violated U.S. Code 1605 ( c ). It is clear that Westlake Financial would be held liable under criminal liability in the court of law in accordance with 15 U.S. Code 1611 ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by the Truth in Lending Act.

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 2022-07-04 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation