vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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. 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 XXXXXXXX, 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 explanation
Consumer complaint received 2022-10-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this formal investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC
State: NY

Complaint narrative:
Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! 
When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! 
They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! 
When they take your money there is XXXX visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! 
Its all sketchy and bait and switch scam!!! 
Run, run, run!!! 
I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! 
They also use the business name XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 explanation
Consumer complaint received 2022-10-29 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: GA

Complaint narrative:
I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them removed.

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 2022-10-29 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
In According with the fair Credit Reporting act XXXX Account has violated my rights. 

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

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. 

U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I recently contacted Navient my loan servicer to get 2 charges of {$110.00} removed. Last month on XX/XX/2022 they set up 6 month plan with me to pay the lowest amount which is around {$30.00} for 6 months. I had to pay a very small fee to do this. After this contract was completed last month, they charged me {$110.00} for XXXX and XXXX which is not what I consented to. The payments Navient does for the smaller amount in the contract is through autopay but the contract clearly states that the amount to be withdrawn is the amount in the contract not any other amount. 

Navient sent me a message this week saying that they can reverse the {$110.00} but doing so will be reported to credit bureaus as delinquent status for my loan. They also said the amount withdrawn on XX/XX/2022 was done by myself but the account is on autopay which is required for the contract. I did not authorize Navient to charge me 2 separate times of {$110.00} and they are trying to blame me for having auto pay on as if them making extra payments outside contract while Im on autopay is consensual which it is not. Autopay doesn't mean Navient can take out what and when they want it is designated for the contract amount once a month for 6 months and nothing more. 

Navient does not have the right to abuse autopay and tell me that I will be reported for delinquency to the credit bureaus when I am making payments via contract to them for 6 months. 

In the documents I will submit to you I will show the messages I got as well as the payments that show only 1 reversal instead of 2. 

So Navient is taking advantage of the autopay while trying to ruin my credit and they won't refund both of the XXXX illegal charges from their unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I.C. System INC. repeatedly adds the same fake debt to my credit report. I have already successfully disputed the fake debt twice and had it removed before but they keep adding it back. The amount the are falsely claiming is {$61.00} and allegedly originated with XXXX internet. XXXX has absolutely no record of this debt when I spoke with them and said it doesn't exist. I do not recognize this debt as being mine.

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 2022-10-29 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: GA

Complaint narrative:
I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is refusing to close my account in violation of its terms of service. 

From https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full " By continuing to use our services after any changes to this user agreement or any of the other applicable terms, agreements, or policies, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account. '' PayPal has changed its policy to fine {$2500.00} its customers for doing business with people PayPal unilaterally decides to be spreading " misinformation. '' I do not agree with this change. Therefore, I am entitled to immediately close my account without any conditions as per the PayPal terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute on my credit report concerning Regional Acceptance being allowed to continue to remain on my credit reports as a charge off. It has continued to remain on my reports even after it reported a 1099-C to the IRS for the {$12000.00} as income in XXXX. Income is no longer debt as taxes are paid on income. XXXX investigated and stated Regional Acceptance 's reported the information remains accurate when in fact it has placed the debt cancellation under the 1099-C as income paid out, not debt. Regional Acceptance has also altered the amount and name on the 1099-C which makes it hard to dispute. Regional failed to report the debt minus the fair market value they received from repossessing and reselling the vehicle in XXXX. 

Form 1099-C Cancellation of Debt Creditor : Creditor 's Federal Identification Number ( FIN ) : XXXX TRUI XXXX XXXX XXXX : Debtor 's Identification Number : XXXX XXXX XXXX XXXX XXXX Submission Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original document Account Number ( Optional ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Property Fair Market Value XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Amount of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} Interest Forgiven Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Identifiable Event Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor 's debt collection Policy Debt Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN Personal Liability Indicator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Box checked-Personally Liable

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a reduction in pay at the beginning of XX/XX/XXXX. I contacted Capital One and told them of my hardship and asked for assistance with lowering the interest rate to reduce my payment. I was told the only thing they could do is allow me to skip a payment. I called again in the middle of XXXX and again, received no help. At the end of XXXX, I was laid off. I called Capital One, informing them of my job loss and once again asked for a reduction in the interest rate and was told they couldn't help me. Unfortunately, I was not able to make my payment that was due on XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with a representative who advised me that Capital One does not offer a hardship program. I should contact a debt consulting company to negotiate on my behalf. I said that was ridiculous, I am the consumer. I have been with Capital One for years and never missed a payment. I also advised her that the other credit card companies I contacted within minutes helped me to lower my payments. The representative told me that I would get a call from a manager ; however, I never received a call. I find it disturbing that Capital One refuses to help me and eventually, I will not be able to make my payment and the first time in my life my credit will be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I logged into my XXXX  account and noticed that I have a XXXX collections but I have never opened an account with them. I have not received a collection letter at my address either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This debt has been paid off since 2017 yet the finance company still calls continuously even after I have repeatedly changed my number, they track me down and then continue to call and harass me for a debt that doesnt exist. I have remitted the receipt several times and they still call. It is total harassment and its purposeful. The same company lost a class action lawsuit against them and I was reimbursed and they still call claiming that I owe them money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The National Credit System has sent me several letters in regards to a collection of {$3800.00} that was sold to them by XXXX XXXX XXXX where I was previously renting. I had my legal representative XXXX XXXX from XXXX send a letter to the XXXX to get a Verification of Debt to validate the debt. XXXX did respond with that information. Moving forward my lawyer then sent another letter to the XXXX asking for a settlement offer which the XXXX has failed to respond to. In that letter it was stated that I would be able to settle for {$1600.00} with the exchange of a full release ( Paid to Delete ) XXXX has not responded back to my legal representative. It has been 18 business days with no response, failure to respond to a debt validation letter is a direct violation to my consumer rights. XXXX is now coming in between my personal life where I am unable to move forward and rent/purchase a home due to their lack of cooperativeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TX

Complaint narrative:
XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX  and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.

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 2022-10-29 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: TX

Complaint narrative:
XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XX/XX/2022 unwanted hard inquiries. 
I only had XXXX and XXXX XXXX no others I dont recommend these companies ever to invest or their support to be on my Team or contact at any time in the future # XXXX. Ally Bank # 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 Many other to list

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 2022-10-29 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:
I noticed that on Equifax my score had dropped due to the bank not reporting my correct credit limit as well as the current balance of my account. I called the company and asked that they update the correct information to the credit bureaus. The customer service representative told me that I should write a letter to the company requesting they update the information with the credit bureaus. I also took the liberty to dispute the information with Equifax which after disputing the investigation still came back with the wrong information.

Company response to consumer: Closed with explanation