vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: DE

Complaint narrative:
My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/ 2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was impacted by the XXXXXXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
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: Driveway Finance Corporation
State: MO

Complaint narrative:
bought my car in XX/XX/2022 from Driveway.com. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over XXXX because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not XXXX XXXX the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NJ

Complaint narrative:
Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP

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 2022-12-16 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: FL

Complaint narrative:
It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. 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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I JUST CHECKED MY CREDIT REPORT FOR THE FIRST TIME IN A WHILE I HAVE LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE MY PAYMENTS ARE DEFERRED SO I SHOULD SEE NO LATE PAYMENTS REPORTING FROM XX/XX/ AND XX/XX/ I HAVE FILED A DISPUTE NOTHING HAPPENED.

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 2022-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX US Dept of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac curate.

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 2022-12-16 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: CT

Complaint narrative:
Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are 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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX  XX/XX/2022 I was charged {$110.00} and the description states transfer to other. I was never notified that this charge would automatically be taken by any certain date. I do not have auto pay setup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-16 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: MO

Complaint narrative:
XXXX XXXXXXXX has been reported as late payment. My account has been closed since XX/XX/2022, and the alleged debt is in dispute. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the reportXXXX XXXX XXXXXXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXXXXXX XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party, that is Experian any nonpublic personal information, unless XXXX XXXX provides or has provided me a notice that complies with section XXXX of this title. I did not receive a notice from XXXX XXXXXXXX, regarding disclosure of my information to Experian. 
15 U.S. Code 1681 ( a ), As determined by Congress, Experian is violating the accuracy and fairness of credit reporting of my information. Experian is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy.

Due to Experian negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this as done harm to me and my Family. XXXX  XXXX as no standing to report a late payment to Experian, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by 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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
They have not validated the debt by producing a payment history and original contract of my signature.

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Back in XXXX, my credit card was lost or stolen and several fraudulent transactions posted to my account. I contacted customer service to report the fraud charges for investigation. I was told that the credit card was being closed and a new one would be issued. After the investigation was completed, the fraud case was ruled in my favor and the transactions were reversed causing a credit to my account of {$2400.00} since I had made a significant payment to my account prior to the fraud. When I received the new card, I was able to activate it but it would not work when I tried to use it. I contacted customer service and was told that that card had been reported lost or stolen. I could not understand how a brand new card would be reported lost or stolen. I was told that another card would be sent out to me. When I got the other card, it was the same outcome. I was able to activate it but it would not work when I tried to use it. I called customer service and was given the same explanation that the card had been reported lost or stolen and that a new card would be sent out to me. After receiving the 3rd card, I activated it and had the same outcome. Please note that each card number was different. On XX/XX/22, I called customer service and requested an electronic refund of my credit in the amount of {$2400.00}, an issuance of my cash back rewards in the amount of {$120.00} and closure of the account. It seems that the account was closed before the refund of my credit and cash back rewards and I am being told that the account can not be found. At this point, I have been waiting several weeks for access to my own funds. The credit and cash back rewards are my own funds. The credit is due to a payment made and fraud charges being reversed, and the cash back rewards was monies I earned through purchases. My original credit card number upon opening the account was XXXX XXXX XXXX. I have attached for your reference the other two cards that I received that were successfully activated but did not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I have reached out to XXXX numerous times about receiving itemized bills for my XXXX debts they are trying to collect on. I have spoken with XXXX representatives. The first representative that I spoke with in XXXX told me she would have the itemized bills sent to me- never received anything via XXXX or email. I called again in XXXX and requested another itemized bill from a new representative and nothing. I called again yesterday and was told that their " system isn't working '' by a supervisor. The representative who I spoke with in XXXX told me that this was going to report to my credit report and affect me negatively. However, I do not want to pay on something without a XXXX XXXX confirming the amount due/itemized bill of what is due. I also HAVE NOT received any written communication from them explaining I could dispute the validity of the debt. I just receive numerous voicemails/calls from them. When I call, I'm either hung up on or told " someone will call you back ''.

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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 USC 1681. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX 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. 

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 a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 USC 1681. 

XXXX 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 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 a account without my written instructions 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OKX INC.
State: RI

Complaint narrative:
i need to report a Financial Crime. XXXX stole XXXX dollars from me. I bought {$7000.00} woth of XXXX on XX/XX/2022 and was told that i needed to wait 10 days for my funds to clear. On XX/XX/2022 i tried to send my XXXX  to another wallet and okcoin told me that my account was under review by their Risk Management Team. The only Risk was the one i took dealing with these XXXX. So since i couldnt move my XXXX i converted it back to XXXX with hopes of withdrawing it back to my bank. When i tried to withdraw my funds i was told that my account was still being reviewed. Today i recieved a notice from XXXX ststing that my account has been closed and i can not make any withdrawals. So they have my money and tell me that my account no longer exist.. Complete Thievery... If this is the wrong Dept could you please forward this to the right people Thank you, XXXX XXXX

Company response to consumer: Closed with explanation