vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Credit Control, LLC
State: AL

Complaint narrative:
Credit Control LLC XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX They have violated and harrassed me as they are a third-party credit collector and have called my home. several times and I have sent them notices of conditional acceptance to prove and validate that I owe a debt which is a violation of Article I section 10 clause 1 - Gold & Silver as coin only I reiterate, NO ONE TODAY CAN MAKE DEMAND OF PAYMENT IN ANY SPECIFIC COIN OR CURRENCY!!! This Bill of Exchange/Trade Acceptance I send is in accord with Public Law Chapter 48, 48 Stat. 112 and HJR-192 of XX/XX/1933 and the Uniform Commercial Code and is presented for the receiver to the federal Window, for settlement ( EFT ) within the 3 day Truth-in Lending time for settlement. As of 1933 a person has LAWFUL money of account to pay debts at law without becoming a tort feasor. ACCEPTED FOR VALUE and XXXX XXXX XXXX are lawful to discharge debt under Public Law 73-10, HJR-192 of 1933, Title 31 USC 3123, and 31 USC 5103 and by Treaty ; in this case the XXXX XXXX Convention on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX  ) and the XXXX  XXXX XXXX Headquartered in XXXX XXXX. 

I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).

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 2022-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX Sallie Mae misreported my loan status as being 60 days past due leaving extreme negative impacts to both myself and my cosigner. It was then up to me to spend weeks attempting to fix their mistake. Eventually it was corrected by them. 

On XX/XX/XXXX Sallie Mae again misreported my loan status. On XX/XX/XXXX I called in on a recorded line to make my minimum payment, the representative on the phone assured me the payment I would be making would satisfy my account as to NOT report delinquent to the credit bureau. On XX/XX/XXXX again it was misreported even after having confirmation I was making a satisfactory payment. My cosigner and I 's credit suffered tremendously affecting both our abilities to open new lines of credit. 

This has yet to be corrected. 

Attached are screen shots of an email I received reveal that Sallie Mae was going to report on XX/XX/XXXX my loan being past due, the second photo shows payment confirmation from XX/XX/XXXX, 2 days before, XX/XX/XXXX they reported delinquent. There are XXXX more emails with payment confirmations for the remaining loans I can provide however I feel the one satisfies pointing out the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: KS

Complaint narrative:
Used vehicle loan XX/XX/2020 Consumer Portfolio Services IncXXXX {$16000.00}, 22.25 % XXXX XXXXXXXX payments totaling {$10000.00} paid to date. Principle paid $ XXXXOnly two payments were late. $ 416 monthly payment applies {$110.00} toward Principle plus a {$14.00} fee to process each payment. Attempting to sell the vehicle to a dealership. Consumer Portfolio Services , Inc. is not cooperating with attempts to obtain the pay-off amount over the past several past months. At least ten attempts were made to request a letter with compounded interest the way the buying company needed. Unable to obtain on letterhead. Unable to get quote modified according to XXXX request. XXXX said they could be reached on Saturday but no one answered the phone. They would not cooperate to do a three-way call. Another company is interested at a lower rate with the same problem of communication. XXXX is the next challenging attempt to sell the vehicle and get out from under the high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
This collection is from a company called XXXX. I canceled the XXXX XXXX XXXX XXXX when I sold the property attached to it in XXXX. When I called, the representative made me aware that everything was good and that the current owner had taken over the system. Some time passes, and I review my credit port and find the XXXX account was sent to collections. I called XXXX and spoke to a representative and was told that something went wrong with my cancellation while they were going through some company change over. The representative told me I was responsible for the equipment. I complained and requested a supervisor who repeated that same story. I, at that time, told XXXX I should not be accountable for their employee errors and I would never pay for something I was not responsible for, and they needed to check their recordings. This was back in XXXX to XXXX. Now, fast forward to XXXX, I get a text from a debt collector that they have bought the debt, and I need to settle it before a specific date. I never received any documentation. I assume they plan on suing me to recoup more money from me. This is a false debt that I should not have to pay. XXXX failed to execute their cancelation practices correctly and then put the blame and the obligation on me when I did what I was supposed to do. I called and canceled the service, and the new owner took over the service. Why am I being harassed by this collection company?

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 2022-05-03 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: FL

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX 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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I contacted the company on several occasions letting them know that I did not receive my bills. The company did not fix the error and continued to bill me later fees. I explained to the company that I was affected by the pandemic and that I was out of XXXX and moved into a smaller area. The company continues to say that the late fees are valid even though I never received my bills. I was relying on others to pay the bills. The company does not care about consumers ' financial hardship and never offered me a program for covid relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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  ) Has violated my rights

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 2022-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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 Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: FL

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: TX

Complaint narrative:
XX/XX/22, my wallet was stolen at my job by a new employee, I later found out she took it and filed a police report also disputed the transactions with all card issuers. SOFI had 5 transactions I needed to dispute totaling {$460.00} and they refunded me one of them within XXXX  days, but the other XXXX that totaled hundreds of dollars they said on the tenth business day that no error occured. I filed a police report this lady is in XXXX for debit card abuse and they refuse to look farther into my disputes and refuse to even acknowledge that this woman took all my money and XXXX says I took all necessary actions in the police report and filing charges, requesting a refund for the XXXX and disabling ym card and ordering a new one the same day as the problem occured. But today is the XXXX business day and I asked for a temporary provisional credit while they investigated and they closed my XXXX disputes saud no error occured and won't answer my emails or return my complaint calls. So now that woman may get the charges dropped even tho there is physical video evidence she used my card the bank won't say it was unauthorized because I want my money back from them and they won't respond to me when I request the paperwork they used to determine no error occured when clearly it did or the police wouldn't have arrested her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I dont know anything about whats going on. Ive told Ally financial over & over and I need it fixed ASAP!!!

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 2022-05-03 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: WA

Complaint narrative:
Summary : Equifax is reporting to Fico that I have a recent missed payment when i dont. 

Background : i filed a dispute on my credit report with Equifax several months ago. Equifax investigated and as a result of their investigation, that disputed account was updated. The problem then started. The updated date on the disputed file made it appear as though it was recent even though it was XXXX years old. I have made multiple subsequent disputes with Equifax and they have not fixed it. I spoke with them over the phone and even said they could see that the file was old and no recent missed payment was on my file, but it was still reporting to Fico that it's recent. They even advised me to speak with Fico directly. I spoke with Fico today and they said they can see the " recent missed payment '' affecting my score negatively but coukd not find any recent missed payment. They directed me back to Equifax. This is why I am here. Both Fico and Equifax have verbally told me there is something wrong but neither can fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : 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