vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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: IL

Complaint narrative:
XX/XX/202XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.

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 2023-05-14 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: IL

Complaint narrative:
XX/XX/2023 XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: IL

Complaint narrative:
XX/XX/2XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.

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 2023-05-14 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: IL

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 open date : XX/XX/XXXX has violated my rights XXXX ). Bankruptcy XXXX XXXX open XXXX, disposition XXXX XXXX ) XXXX XXXX open XXXX has violated my rights XXXX ). Dept of EDXXXX open XXXX, has violated my rights XXXX ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights XXXX ). XXXX XXXX XXXX open XXXX has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law.

First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions.

and lastly : 15 U.S.C 1681c ( a ) ( 5 ) section states : No Consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Applied for credit card with XXXX XXXX Bank on XXXX. Approved over phone with agent for XXXX limit, charged XXXX $ fee to my bank account authorization number XXXX. 2 weeks later card does not come in. I call the company and was told I was declined, I explained situation. Then told company tried to draft XXXX $ fee but was unable to which was again not true. Once provided with authorization number, told fee was drafted properly but account was reviewed again and card denied. Because of this I gave an improper inquiry that the company will not properly send me a letter stating exactly what Happened other then stating I was denied when I applied when I got approved, given limit over live phone with agent abd fee drafted. Now can not get fee removed from transunion as per policy I agreed for premier to pull records and was approved charged fee then denied. Transunion wants me to file with police which police will not take

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 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital Systems has added a collection account to my credit report without sending a dunning letter. They also did not give me the right to dispute this debt BEFORE placing this account on my report. They are in violation of The Fair Debt Collection Practices Act and this account need to be removed IMMEDIATELY. I will also be filing a complaint with The Federal Trade Commission and the XXXX XXXX XXXX Until I get a letter giving me the right to dispute, you can not report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and Consumer deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have Equifax reinstate my account as open and being paid. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 Equifax started report me and countless other users as deceased. 
I feel that Equifax should be shut down as it has proven time and time again that it is unable to operate in the best interest of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX my credit reflected Equifax XXXX and all was fine but I wake up today XX/XX/XXXX XXXX and is now XXXX and giving false information that consumer deceased and all accounts are closed. This needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You are inDirect violation of the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX also, my name is wrong in my address is wrong please correct

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 2023-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: IL

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. 
1 ). XXXX XXXX open date : XX/XX/XXXX has violated my rights 2 ). Bankruptcy XXXX XXXX open dateXXXX, disposition date:XXXX  3 ) .One Main open date:XXXX has violated my rights 4 ). Dept of EDXXXX open date:XXXX, has violated my rights 5 ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights 6 ). XXXX XXXX XXXX open date:XXXX  has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law. 
First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions. 
and lastly : 15 U.S.C 1681c ( a ) ( 5 ) section states : No Consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I have not put anything in my name under this account and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} to JP MORGAN CHASE Bank account of XXXX XXXX XXXX XXXX XXXX. Chase bank has received the funds but the recipient has not received any funds yet. CHASE BANK is still holding the money without sending me a refund nor sending it to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling Ally Financial and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.

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 2023-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
just recently found out that lendmark financial is using predatory lending. they never disclosed the interest rate to me and i saw where my loan will take a lot longer to pay off. the only way i viewed my interest rate was online using lending tree that revealed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-14 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: TX

Complaint narrative:
XXXX XXXX holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling XXXX XXXX and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.

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 2023-05-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax as of XX/XX/2023 has reported me as deceased and XXXX of my accounts have been reported as closed. I have diligently been working on improving my credit over the past two years and yesterday my Equifax score plummeted from XXXX to XXXX. And this just so happened to occur days before I was set to be approved for a first time home buyer program. As you can imagine this is absolutely devastating and I'm frantically searching for answers and a rapid solution to resolve and correct this matter. I believe that my rights under the Fair Credit Reporting Act have been violated. And I am seeking legal action against Equifax at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I initially submitted a complaint to the CFPB in XX/XX/XXXX due to Amerisave reporting me delinquent to XXXX and XXXX despite the fact that we made a forbearance agreement from XX/XX/XXXX through XX/XX/XXXX. Amerisave responded to the complaint, acknowledged their error, and removed the derogatory credit reporting. Since then, Amerisave continues to report me delinquent. I submitted a dispute to the credit reporting agencies and have contacted Amerisave multiple times including speaking with 2 different supervisors over several months to have the derogatory reporting and all notes removed from the credit bureaus. Amerisave is acting in a predatory manner by continuing to violate the terms of my forbearance. Representatives continue to agree verbally that the credit reporting is an error but continue to report delinquency. Additionally, Amerisave is unresponsive to my attempts to reach an agreement regarding the forborne balance and possible permanent loan modification. Despite my good faith attempts, Amerisave has not reciprocated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I was approved for & received a Capital One mastercard only as a ruse to harass me for a previous bill I never incurred. After I closed this card, XXXX XXXX, the collection agency assigned to that bill called, throwing my personal data in my face that Capital One gave them. This is fraud & data mishandling of the highest order.

Company response to consumer: Closed with explanation