vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have tried 2 times to rectify this situation with National Credit Adjustors and they are continuing to blatantly ignore me in regards to the compensation that I am asking them for in regards to ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation. They have also furnished it onto 2 accounts my XXXX  & my XXXX account which is 2 violations which I am entitled to remedy pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). I am asking National Credit Adjustors to compensate me {$2000.00} for furnishing information onto my consumer report which has ruined and harmed my reputation. If this situation is not rectified as this will be my 3rd time asking for this remedy. I will seek actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-09-22 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: FL

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX reported a hard inquiry on my credit report, That I do not recognize. The company agreed to remove this hard inquiry from my credit report. Please delete this hard inquiry from my credit file within 30 days. Thank you!

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 2022-09-22 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: MI

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX Account : XXXX XXXX XXXX Account : XXXX Us Dept Ed Account : XXXX XXXX Account : 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 2022-09-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my home depot credit card through Citi.

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 2022-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: UT

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I overnighted a check vis XXXX tracking # XXXX which paid off the lease in full in the amount of {$28000.00} and received a overpayment refund of $ XXXX shortly after the payoff. I have been waiting on the title since then. I have called US Bank XXXX times in the past month and they continue stating that they have communicated with the XXXX that the loan has been paid off and that they sent the Title on XX/XX/XXXX after many times of stating that it was sent prior to that date. After waiting another week, I called the Utah XXXX and they state that US Bank has not communicated with them that the loan has been paid off and that the title is still in the XXXX 's name. 

I am trying to sell this vehicle and without the title I am unable to do so. Every day this sits I am losing money as cars are depreciating daily. 

I really need this title ASAP and this is my last resort.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

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 2022-09-22 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: PA

Complaint narrative:
There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-09-22 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: PA

Complaint narrative:
There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: VA

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated everything was accurate. Upon conducting my own research myself I found multiple inaccuracies on my report after they said they had verified everything. In particular, Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. Upon reaching out to the original creditor it was stated that the company did not manage the property and in that case does not have the right to demand funds for said property. I have never done business with XXXX XXXX XXXX XXXX. I've disputed this account as they have violated my rights in accordance to the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. In addition, I have various collection accounts that Equifax in particular are reporting that are not being reported with the other bureaus and per their policy it is stated that they use a joint notification system that operates worldwide in accordance with the other XXXX XXXX The collections on Equifax are not being reported on the other CRAs and should be removed immediately. The collections being called for immediate removal are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
a Delinquency showed up on my credit repot a few days ago from Stern Recovery services for {$290.00} supposedly opened on XX/XX/2022. Prior to this my credit report had all good standing and I have no idea what or who stern recovery is. i have not missed any payments on any of my bills and have no idea what this being reported is.

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 2022-09-22 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: PA

Complaint narrative:
Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my XXXX XXXX credit card through 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 2022-09-22 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: AR

Complaint narrative:
I ran my credit report on multiple different ones such as XXXX XXXX  etc. Transunion is showing XXXX XXXX XXXX  Original Creditor Name XXXXXXXX XXXX XXXX I don't recognize this account. It states it was opened XXXX and I did not open any account. Also there are inquiries in my report that I didn't do.

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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: VA

Complaint narrative:
In XXXX of XXXX  I had solar panels installed by XXXX XXXX, now XXXX XXXX. They processed a loan through Sunlight Financial to cover the amount of my panels. For the XXXX months that I have had the panels they have not worked. I have recording from my electric company, XXXX XXXX, that they have not received any power from our panels. I was promised that I would have a very small, and sometimes, no electricity bill. Unfortunately, that has not turned out to be true so I have been paying a normal electricity bill on top of a {$300.00} payment to sunlight financial every month. Months and months of back and forth with pink energy with numerous no shows for appointments to fix the problems and no solution in sight, XXXX XXXX has now closed its doors and filed bankruptcy and I am left in debt without a working panel system and leaking holes in my roof that is coming through my ceiling. I would like Sunlight financial to remove the panels and release me from my contract. I really hope there is a way to resolve this issue so my family does not continue to suffer. Thank you so much for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.

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 2022-09-22 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: NY

Complaint narrative:
I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Credit Services, Inc.
State: MI

Complaint narrative:
I have requested documentation from Credit Service Inc that states how they can lawfully collect and report these alleged accounts. Accounts that I saw on my credit file from Credit karma account portal no ss # or XXXX was needed. 
I have received no correspondence or response regarding this. Instead Credit Service Inc has agreed to delete the accounts off my credit file and return them to their client. As per deletion the debt collector shall pay to myself for the damages pursuant to 15 USC 1681n. Credit Service Inc has inaccurately and unfairly reported on my credit monthly. This is a violation of 15 USC 1681 ( a ) ( 1 ) and ( a ) ( 4 ). Now finding their mistake of not validating this alleged debt before reporting to CRA they are deleting from credit file. Pursuant to 15 USC 1681N Credit Service Inc shall pay {$4000.00} per damage from company to consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation