vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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:
I HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE LIEN HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, XXXX, equifax, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am disputing my XXXX credit reports of misinformation, inaccurate amounts, some information on reports that doesn't apply to me as the consumer but someone else with similar or same name. Never given the opportunity to correct the debts in question before it was sent to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: MN

Complaint narrative:
I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as XXXX, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., has violated my rights. 

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

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

I need this removed immediately. Equifax and XXXX are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: NC

Complaint narrative:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: 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. 

IXXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2022-05-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy 15 U. S. C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to buy a car and Left my wallet at the dealership and came back and got it from lost and found, to my surprise when i checked my credit i saw all of these Fraudulent inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created a paypal account and got it verified. I was new to paypal and didn't knew much about business account/personal account. 
Initially it was set up as a personal account but I wanted the paypal to act as a payment method for my freelancing sO I thought it should be categorised as business account and I changed it from personal to business account got it set up with bank and all etc. It said now my account is ready to use it was after 4 days of account creation. 
Just to check whether my account is working or not I asked my friend to send me some money on paypal and I requested him for XXXX but then just instantly I got a mail saying 'you can no longer do business with paypal ' I tried contacting the customer service but they were like 'Our decision is final " I haven't even done anything suspicious but still blocked me from PayPal entirely and now they don't even want to hear my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: VA

Complaint narrative:
I have sent Experian several disputes as to them matching me to a bankruptcy that does not belong to me. And they keep sending information stating they verified it through XXXX XXXX and other third party agencies, but have it listed on the credit report they receive this information from the bankruptcy court I have asked them several times to send me information from the Court that verified this and they have failed to do so. XXXX told me to contact Experian in regards to this and Experian tells me contact XXXX just running me back and forth I have no accounts in my credit file that are in bankruptcy. This is really harming my credit and the also in violation of the FCRA with reporting inaccurate information that has not been verified. My next step is to file a civil suit if Experian fails to remove this from my public records immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Due to a medical  problem I fell behind on my payments of course I now have late fees on all my cards. I have at least three card companies that are calling me daily and they call at least three times an hour and up to four times a day! So, I get XXXX  calls daily.

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 monetary relief
Consumer complaint received 2022-05-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
I have attempted to dispute the adverse account they claim I owe to XXXX from XXXX in the amount of {$130.00}. I have disputed this a minimum of 3 times through XXXX. They responded with a billing statement from XXXX to verify the debt. Their responses from XX/XX/XXXX and XX/XX/XXXX do not verify that I owe the alleged debt. 

I have contacted XXXX about this attempt by this debt collector to collect an alleged debt and they do not have a record of it. XXXX was able to confirm and provide info about my past policies which had termed in XXXX and XXXX. Yet, they continue to report this debt with out validating it per 15 U.S. Code 1692g - Validation of debts. This inaccurate reporting of an account that has not been validated as mine has caused me harm in mental stress trying to get it resolved as well as limiting my ability to get credit on fair terms. XXXX has not done their due diligence either as they have simply parroted the information Caine & Weiner have supplied as being verified due to their apparent business relationship. I demand that this is removed from any and all credit reports created, held, and/or maintained by any and all credit reporting agencies this adverse, unvalidated information has been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I sent a pay to delete letter on XX/XX/22 to Amsher Collection Services. It is now XX/XX/22 and I have not heard anything back. This collections is hurting my credit and I am doing my best To handle the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: NY

Complaint narrative:
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file 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 2022-05-30 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-05-30 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: NY

Complaint narrative:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: ME

Complaint narrative:
This is a debt from 2011. I just received a notice from this company about this debt from 2011. I believe they are in violation of Maine 's Statute of Limitations on debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2022-05-30 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: 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. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 


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

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