vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Due to covid i was out of work for some time so i did ask for extension on my loan. As of right now my maturity date has come and Im still paying in this car. I called this company numerous of times to ask them for a a copy of the original lease and i have yet to receive it. One minute the company tells me Im paying until the loan is over then another person tells me to trade the car in. I tried to tease the car in but this company is reporting to the credit bureau as it being late but Im still making my payments on time. One person from Exeter finance says as long as Im paying on the car it wont go into repossession another pardon tells me thats a lie bc it will. At this point i think this company is trying to scam me bc they really will not let me keep paying on the car and they keep reporting it as it being late but i made payments on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello. I was lured and scammed into paying someone XXXX} through XXXX  on XXXX XXXX. I was selling furniture on XXXX XXXX, and the buyer wanted to pay through XXXX. I received an email that XXXX would not accept payments over XXXX} because i needed to upgrade to a business XXXX account. The buyer proceeded to send me {XXXX} and i received an email that she had sent {XXXX}. She proceeded to demand i refund her the XXXX  to upgrade my XXXX  account to a business XXXX account. I ended up paying her XXXX to refund the amount that appeared to have been paid to me. I realized it was a scam a few minutes later and immediately called my bank ( PNC ) to cancel the transaction within minutes. By that time it was too late and the bank refused to assist with the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: NC

Complaint narrative:
According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: NC

Complaint narrative:
According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: Go Capital Holdings, LLC
State: CO

Complaint narrative:
GO FINANCIAL Auto Loan with account opened on XX/XX/2014 and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. The company has failed to update my credit report or provide proof of the investigation and proof of the negative payment status for this account, or delete the negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for 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 2023-06-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified Experian, XXXX, XXXX XXXX but haven't got the any answer. XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe 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 2023-06-17 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: TX

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.

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX 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 2023-06-17 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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Sent via PayPal to another PayPal user {$21.00} and find out they are a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I submitted a dispute of this information to Navy Federal and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.

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 2023-06-17 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: IL

Complaint narrative:
I submitted a dispute of this information to XXXX XXXX and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute of this information to XXXX XXXX and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: CT

Complaint narrative:
You are reporting debt I don't owe. I have sent letters to all debt collectors and original merchants and you still report me illegally. Produce original documents. Now that I complained I am sure you will move the fraudently debt somewhere else. This is absolutely disgraceful. I want this debt removed it's fraud. You never once even reached out to me. Don't now that I have complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Global Lending Services LLC
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by XXXX XXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. XXXX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : Global Lending Services, Application ID # XXXX, and was denied. XXXX XXXX XXXX XXXX, and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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:
This complaint is filed against both Espirian and XXXX for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both Espirian and XXXX and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers smart credit 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both Espirian and XXXX can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both Espirian and XXXX and that each compare both reports and investigate all errors. Said errors are : 1. High balance on Espirian shows XXXX and XXXX shows XXXX. Both differ. 2. Date of last activity with Espirian shows XXXX and XXXX shows XXXX. Both differ. 3. Date of last payment with Espirian shows XXXX and XXXX shows XXXX. Both differ. 4. Credit limit with Espirian shows XXXX and XXXX XXXX XXXX. Both differ. XXXX. Espirian shows XXXX 90 days late and XXXX shows 4 90 days late. Both differ. 6. Espirian report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. 8. Espirian report shows on 2 year payment history calendar that in XXXX XXXX XXXX account was 150 days late and XXXX report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau smart credit report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: GA

Complaint narrative:
I reached out to self financial whom I have a credit with and I informed them that my card had been compromised and I needed to dispute about 6 transactions from Florida. They took my dispute and mailed me a new card but are still charging me for the fraudulent charges that dont belong to me. I never received a dispute kit, they just stated the charges were mine because I kept checking the app to monitor any fraudulent transactions from the state of Florida. I was in a bad car accident and no form of transportation until XXXX. Ive disputed it many times and even wrote letters to self and received no response back on how to get rid of the fraudulent transaction that are hurting my account, credit history and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
The company Seventh Ave. in the previous report : # XXXX, has NOT followed through by removing a " duplicate account '' that I never requested & don't use. And they've used that as an EXCUSE NOT TO REPORT MY EXCELLENT CREDIT!! They said in the former complaint as a response that they would find a way to REMOVE THE DUPLICATE ACCOUNT, & THEN REPORT MY EXCELLENT CREDIT to ALL the credit bureaus AS THEY SHOULD!! But THAT NEVER HAPPENED!! They need to follow through with removing this " duplicate account '' that is THEIR system error & THEIR PROBLEM TO FIX!! & THEN REPORT MY EXCELLENT CREDIT MONTHLY AS THEY SAID THEY WOULD & THEY'RE SUPPOSED TO!! 
Also my billing address has changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Massachusetts XXXX United States, but every time I update info. w/ them they GIVE ME A NEW ACCOUNT #!! THEY ARE GOING TO HAVE TO KEEP MY ORIGINAL ACCOUNT ENDING IN XXXX, fix the billing info. & REPORT MY POSITIVE CREDIT just like any other company would. WITHOUT screwing up my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: NY

Complaint narrative:
This is now my 4th time contacting Transunion about this unauthorized inquiry that has been placed on my credit report without my consent/permission. 

I have been calling since I noticed the inquiry in XXXX. Each time I am told " there is nothing we can do. '' I have written letters and each time I am ignored and no proper investigation is conducted. 

The last letter was sent XXXX certified mail on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX. I am restating the fact that I DID NOT apply for credit with XXXX XXXX nor is there an account in my name with XXXX XXXX. 

The inquiry placed on my consumer report on XX/XX/XXXX should be deleted. 

I have asked for a formal investigation into the inquiry, but to date I have not received this right afforded to me. 

As such I am asking for statutory and punitive damages be awarded to me for TransUnions willful choice to disregard my legal rights under FCRA for accurate consumer reporting. 

I am including a copy of the certified letter sent to Transunion asking them to investigate the inquiry. It was received by them on XX/XX/XXXX at XXXXXXXX XXXX according to XXXX tracking. 
I am including a copy of the certified mail receipt I am including a copy of Transunions response which did NOT include results of an investigation that I requested. 

They have continuously willfully ignored my requests for an investigation and accurate consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XX/XX/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