vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DigniFi
State: WA

Complaint narrative:
I accepted a short term line of credit for auto repairs offer by the company DigniFi. The loan was as for approximately XXXX dollars and I began paying it off in monthly installments of XXXX dollars ( setup with the companys auto-pay option. ) Because of an error on my part, my final payment of XXXX dollars was declined by my bank due to insufficient funds. However, I noticed my mistake immediately moved money into the anccount, and reached out to the company the same day to correct the issue. A representative of the company informed me that they would not accept another payment from me at that time until the previous payment attempt ( which I informed them had already been decided ) had processed. 

I called them back 2 more times over the course of the next approximately 10 days in further attempts to make the final payment with the same result. The 3rd time I called, I actually received another automated payment request from Dignifi within 20 minutes of ending the call where a dignifi employee had just informed me for a 3rd time that they would not accept a payment from me in any form. 

Following this, I emailed the company the below message to the contact email address posted on their website ( XXXX ) Subject : 4th attempt to make payment To whom it may concern : I am specifically instructing your company to stop harassing me with automated emails regarding my account with dignifi. 

I have personally contacted your telephone support center on 3 occasions over the last 2 weeks in an attempt to pay off the remaining balance of my account and have been told by two separate supervisors in that center that they either would not or could not accept a payment from me regardless of the method.

You may not harass me for payment and then refuse to accept that payment when I attempt to make it. 

When your company is ready and able to accept my payment on this account please reply to this email or contact me at XXXX XXXX XXXX XXXX This week I am available between the hours of XXXX and XXXX Monday through Friday. I will not waste my time with more futile attempts at calling in and resolving this issue again until I hear from a representative of your company who is authorized to accept a payment. 


Regards, ( XXXX ) Following the above communication, I contacted the company at the same email address two more times and have not yet received a response or separate communication by phone or email. However, I continue to receive payment request messages regularly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02 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: VA

Complaint narrative:
I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NV

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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: NV

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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: MI

Complaint narrative:
I XXXX XXXX XXXX attempted to remain in honor by tendering payment via ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount {$11000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ) U.C.C. 3-311 and public law for negotiable instruments to LendingPoint LLC XXXX XX/XX/2022. They accepted my instrument but did not credit my account correctly. I did call on XX/XX/2022 and spoke with XXXX from collections, XXXX from customer service, XXXX XXXX from customer service, XXXX XXXX manager from customer service, XXXX from collections, XXXX manager from collections recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for immediate investigation to rectify the situation without XXXX so they can remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices, are against the law in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.

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 2023-01-02 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: CT

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  Balance : {$2600.00}

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A dealership inquired about my credit without me authorizing the inquiry. 

The dealership is titled " XXXX XXXX XXXX '' on my credit report. 

I requested them to remove the report and they said they would attempt it. 

Nothing has been done for 1 year, Inquiry date XX/XX/2021 Additional details Business Type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2023-01-02 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: CT

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-01-02 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: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : 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 2023-01-02 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: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file 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 explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX I placed an order via website XXXX  and I was to receive the order within 5-6 days. I repeatedly emailed asking to ship my order and because it took so long I requested to cancel. I received an email stating it was in process sorry for the timeframe, etc. After almost 3 weeks I got the order and it was the wrong size. I immediately returned the item after notifying the merchant which took them a week to respond. Because it took so long for the merchant to respond to request to cancel the order or ship the item I filed a dispute with the bank. In the meantime I received the order and immediately returned it. When I received it I called paypal on XX/XX/XXXX and notified them I received it and returned them and provided the tracking number. A few days later on XX/XX/XXXX I get notice my case was closed because they shipped it. No regard for my call with the track info that the shoes were returned. I then called AGAIN on XX/XX/XXXX because they rep did not process my dispute on the previous call. So I called again for the 3rd time to file another dispute because I no longer have the item I requested to cancel, that took too long and I paid for the return. The tracking number XXXX XXXX which was confirmed delivered

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 monetary relief
Consumer complaint received 2023-01-02 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: CT

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
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.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: CT

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 explanation
Consumer complaint received 2023-01-02 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: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : XXXX 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 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 2023-01-02 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: OR

Complaint narrative:
I have been trying to dispute Account Name XXXXXXXX XXXX with TRANS UNION LLC XXXX and XXXX for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

I am under a lot of stress dealing with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.

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