vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting 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 2023-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
Please view FTC REPORT and proper identification attached. TRANSUNION VIOLATED FEDERAL LAWS

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 2023-01-12 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Roadrunner Account Services, LLC
State: SC

Complaint narrative:
Road Runner Financial XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Application ID : XXXX Hello on XXXX  I applied for an extension of credit. I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your company 's decision. I would just like to know what laws and procedures were used to come to this determination. 

Companies procedure does not supersede federal law. This is a direct violation of my rights of consumer 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority, and I received no benefits. Now I would hate for this situation to escalate. I am sure you're just doing your job, but I would now have to hold you personally liable for this.

Federal Reserve section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even exchanged so I would like to use the credits that arised from that transaction. I would like to apply it to the principal account. 

Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against, on the basis of race and defamation of character.

Company stated they couldn't give me the reasons I was denied requested to speak to manager they took my name and number and stated a manager would call me. No one Called me back. 


XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
I, a consumer and natural person, was denied credit by XXXX when I applied for Reference Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX according to law.

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 2023-01-12 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:
tried disputing/fixing with the company directly numerous times. 
never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ). 
violation of my right to privacy.

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 2023-01-12 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion 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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion 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 non-monetary relief
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
I, a consumer and natural person, was denied credit by XXXX XXXX when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.

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 2023-01-12 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: FL

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander consumer finance sent a towing to repossessed my vehicle after being put in a billing error status pursuant to 15 U.S. Code 1666 - Correction of billing errors. Which is a violation of my rights. There was no warrant of execution by the judge presented. At XXXX they breached my peace lifted my vehicle off the ground and I was told by towing company that they would shoot me if I tried to stop them. 

I have been in billing dispute since XXXX. 
I notified Santander of XXXXXXXX XXXX  fraudulent activity. 

I have sent payment for payoff request and its documented Santander lost it. 
I shouldnt be obligated to pay any longer. 

I should have been placed in a do not pay do not collect status while and investigation was done and a new loan was drafted instead my life is threatened for a car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
The debt was sold without being contacted in regards to. I was told from the school that the tuition would be covered after so many XXXX of being enrolled. The tuition then was sold off to the debt collection agency with no signature or verification of debt/ ownership. I spoke to the debt collection agency on various occasions and asked to not be contacted, however a debt collector called my telephone and left a voicemail to resolve the debt. I have expressed on numerous occasions the nature of the debt alongside with disputing it with the credit bureaus it's invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: IN

Complaint narrative:
Starting around XXXX or XXXX of XXXX I started getting communications from XXXX XXXX XXXX in Kentucky representing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have the garnishee defendant listed as XXXX XXXXXXXX XXXX In XXXX, XXXX. So putting this together someone with my name, excluding middle name, went and charged over $ XXXX on a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( original creditor ), in XXXX, IN and worked at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and they want their wages garnished or, NOW, in new letter, bank acct garnished for what they owe. 

First off, my credit is terrible and I filed for bankruptcy many many years ago and haven't had a credit card since nor can I get XXXX. Furthermore, I have NEVER in my life charged that amount at any XXXX. I have NEVER heard of XXXXXXXX XXXX  nor have I ever been to XXXXXXXX XXXX which is XXXX miles and over XXXX hours away from where I have lived in XXXXXXXX XXXX  my entire life! I haven't worked getting a paycheck since around XXXX and since then XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I started working at age XXXX. I stopped working in XXXX due to XXXX. In the numerous letters I have gotten from Weber & Olcese it states the case was opened in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like to see what was bought and a video of " ME '' going Into XXXX, IN XXXX purchasing it. 

There are at least XXXX others with my first and last name around the vicinity of where I am. I asked Weber & Olcese to give me a middle name, Birthdate or SS # and they have not in over XXXX  years. There are also a ton of others on XXXX and I told them that. I also sent them a picture of who could possibly be the one who owes this money because I started getting her debt collection calls many years ago. She's XXXX XXXX XXXX  than me. 

It states throughout correspondence from Weber & Olcese that they sent letters about this case such as XXXX on XX/XX/XXXX, service returned served XX/XX/XXXX, order to appear in court XX/XX/XXXX and I have never received a thing other than the letters trying to collect from Weber & Olcese.

They are now saying they will take {$5900.00}. 

Now, throughout these letters trying to scare me they have garnishee defendant as XXXX XXXX but in new letter just got XX/XX/XXXX garnishee defendant is XXXX XXXX in XXXX and that's not my bank. They have also had XXXX XXXX and XXXX XXXX listed as defendant so they are grasping at straws. 

I am now being summoned to court XX/XX/XXXX at XXXX if I am against the garnishing efforts even though this is NOT me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, Solar Mosaic ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX but they never installed it. Attached is the letter sent to 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 explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX but they never installed it. Attached is the letter sent to 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 2023-01-12 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: CA

Complaint narrative:
Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX but they never installed it. Attached is the letter sent to XXXX XXXX.

Company response to consumer: Closed with explanation