vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a small DJ business that i run on the side for some extra money. XXXX XXXX hired me to XXXX her daughter 's graduation party. I have a signed and dated contract with XXXX that I've sent to paypal showing that we have business together and both parties agreed to do business through paypal and for the amount disputed. XXXX attempted to pay me through paypal. She frivoulsly typed in XXXX XXXX and paid {$370.00} to the first name she saw. It was not me. XXXX and I conferenced called PayPal to notify them what had happened. PayPal did nothing. The person she sent the money to gets to keep the money and Paypal took no action practically laughed it off. XXXX then sent the money to me a week later through paypal. Paypal without notifiying me took the money out of my account and sent it back to XXXX. I have not been paid yet and its now 3 months later. So some guy that didnt do anything got {$370.00} and my customer got free DJ service. I did 10 hours of work and have got nothing. PayPal went into my accoutn and sent XXXX {$370.00} just on their own accord. I've been ripped off despite doing the work, XXXX gets free DJ service and some other guy named XXXX gets a free {$370.00}. Despite BOTH XXXX and I calling together to notify PayPal what had happened they still gave the money to the wrong person, stole money from me and gave it back to the customer even though I am the only one out of the group who did the work and deserves the money. PayPal refuses to reverse the transaction and has done nothing to rectify the situation. I have yet to get paid and the other guy and XXXX made off with the money. PayPal stole my money and sent it to XXXX. In XXXX stole my money and gave it to some stranger for work that I had performed. I am furious. PayPal refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Account # XXXX I have called the creditor ; GM Financial at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. I sent a letter explaining the late payments 2. The account is closed 4. The car was totaled and I no longer own or have After XX/XX/2022. Please remove from credit reports. I spoke with XXXX the supervisor. He stated that if he did it for me, then he would have to do it for everyone else. So, it was made clear, that GM could delete the account, but they just don't want to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My identity was compromised in XXXX of 2021. Subsequently, I discovered an erroneous XXXX  XXXX XXXX reported on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, LCI " LUNDQUIST CONSULTING INC. '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX XXXX XXXX is seriously hindering my credit worthiness. I DEMAND THIS FRAUDULENT BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!

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 2022-09-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 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 2022-09-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 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 2022-09-05 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: CT

Complaint narrative:
Experian is erroneously reporting a new account loan number XXXX for {$2200.00} through XXXX XXXX posted on XX/XX/XXXX and I do not and never had a contract with XXXX XXXX with this loan number. Experian is also reporting the account as 120 days past due when this new account never appeared before as they recently opened the trade line on my file on XX/XX/XXXX. I never consented nor signed this new loan contract and immediately asked for validation and never received any validation of this new contract. The monthly payment amount and the loan number Looks like fraud as I dont recognize either of them.

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 2022-09-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
The options do not exactly fit my particular problem. I am trying to fit the best I can. 

XX/XX/2021 Credit Corp began to caustically engage me via the phone. I informed the caller that their attitude could be violating my rights and informed them I wanted the call recording preserved, further I followed up with written demand for preservation. Credit Corp filed suit and I have again demanded preservation of the evidence for the violation of the FDCPA - Credit Corp is claiming they are unable to produce the information. 

I have contacted the XXXX, FTC, CFPB regarding Credit Corp. A court action is pending as Credit Corp has filed a lawsuit, however they have claimed they have no foundational documents available for the suit - which is a violation of FDCPA. Further, I have made several demands afforded me to preserve recording/documents that prove violations of the FDCPA, the Credit Corp is now claiming that the evidence can not be located. Deceptive and bad faith actions clearly violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX  XXXX Account # ( XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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.

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 2022-09-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Sent my letter off on. I asked the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The team " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friend, 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 were 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 are still not reporting 100 % Accurate.And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2020 XXXX sent over {$17000.00} to Bank Of America for XXXX benefits. My account is in good standing as of today. I just certified my last week and Bank of America will not release my funds nor card. I see you fined them {$220.00} XXXX dollars for unlawfully freezing customers accounts. They refused to release my funds. Can you please help 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 explanation
Consumer complaint received 2022-09-05 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:
i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, Transunion, XXXX and XXXX. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records

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