vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
CREDITORS XXXX XXXX XXXX  ACCT NUMBER XXXX COLLECTION COMPANY : XXXX : REF ID XXXX XXXX XXXX SAYS I OWE {$390.00} CREDITORS : XXXX XXXX ACCT NUMBER XXXX COLECTION COMPANY XXXX. XXXX XXXX XXXX SAYS I OWE {$230.00} BOTH OF THESE COMPANIES WERE SUPPOSED TO COMBINE OUR TV AND INTERNET SERVICE WHEN WE HAD THEM. THEY CHARGED US INCORRECTLY AND SAID THAT WE STOPPED SERVICE BEFORE THE END OF OUR SERVICE PEIORD. I CONTEND THAT THEY HAVE DESTROYED MY CREDIT RATING BECAUSE OF INCORRECTLY BILLING ME. THE COMPANIES WERE JOINED TOGEATHER AND WE WERE SUPPOSED TO GET ONE BILL. WE DID NOT GET ONE BILL BUT CONTINUED TO GET TWO. THE COMPAINES ALSO CHARGED MY WIFE XXXX XXXX FOR THE SAME SERVICES. 

:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

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 2022-03-17 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: Sunset Management, Inc
State: GA

Complaint narrative:
The tradelines listed were not opened by me. And i've submitted an identity theft complaint.

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 2022-03-17 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: DISCOVER BANK
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MI

Complaint narrative:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

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 2022-03-17 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: FL

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

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX5 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission. 

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.

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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The tradelines listed were not opened by me. And i've submitted an identity theft complaint.

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 2022-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The tradelines listed were not opened by me. And i've submitted an identity theft complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
The tradelines listed were not opened by me. And i've submitted an identity theft complaint.

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 2022-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted 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 non-monetary relief
Consumer complaint received 2022-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
PLEASE HELP! 

I mailed AmeriHome a letter on XX/XX/2022 requesting debt validation. As of today I have yet to receive any type of correspondence from AmeriHome. This account is showing closed on my consumer credit report and reporting negatively. AmerHome first failed to respond in the required time allowance. AmeriHome has also failed to abide by the law in regards to debt validation. 15 USC 1692g. Due to the fact that AmeriHome has failed to validate that this account that is reporting negatively on my consumer credit report I demand that this closed account be remove from my consumer credit report.. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. I feel like AmeriHome is bullying me! I never authorize nor gave permission for AmeriHome to report anything on my consumer credit report. AmeriHome needs to respect the laws of a Consumer. As a consumer I have rights and AmeriHome is in violations of my rights. AmeriHome closed the account and continues to report it to the credit reporting agencies and a negative remarks. I don't understand how these companies can continue to report items. This account is causing me an inconvenience and so much stress because or the negative remark. I am trying to purchase a home. Due to the fact that its invalid and against the law if I am not able to get them to remove this closed account, I will be force to file a litigation. AmeriHome has failed me as a consumer 15USC 1692e, 15USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I sent a letter to Aidvantage requesting verification that authorized them to collect any alleged debt that they assume that I, the consumer, owe. The company replied saying that my request was frivolous. I am aware that I have a right to request verification/validation from debt collectors who assume that I owe on an alleged debt. I have never entered into a contract of any sort with Aidvantage. This is considered unfair practices pursuant 15 USC 1692f ( 1 ). The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by this subchapter. The false representation of any services rendered or compensation which may be lawfully received by any debt collector for the collection of any debt is a violation of the FDCPA. These are laws under the Fair Debt Collection Practices Act that Aidvantage is violating. Pursuant to 15 usc 1692c ( c ), I demand Aidvantage to cease and desist all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2022-03-17 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: NY

Complaint narrative:
There is incorrect information about me applying for loans to several banks for a car that I never bought. I never applied for any loan or even bought a car. These loans were applied for on XX/XX/2021 and I assume it was from a car dealership. I was also given an insurance card for a car I never owned. 

I found out about it when I got a credit report from Experian today and it said that I applied for numerous car loans for banks and was rejected by 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 explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX In XXXX of XXXX  I was looking for an off campus apartment  at of XXXX XXXX. I applied and was told I dont qualify for an apartment but could with a co-signer and can move in after getting one. I asked my father to co-sign but unfortunately he was unable to be a co-signer because he had filed a XXXX XXXX bankruptcy that had not yet matured to the 7 years and I informed them that I will be unable to get a good co-signer. They harassed me that I would have to move in or else find someone to move in my place. I told them thats not possible since I dont have a guarantor who would be approved and went on to look at another complex that approved me called XXXX XXXX. I signed my lease and stayed with campus housing for 2 years and renewed lease. Im around XXXX I received a letter and notification that I owe XXXX XXXX XXXX dollars, a full years lease for living there. I disputed it to the credit called XXXX XXXX and was told they are under new management and dont have any documentation of me ever Livng there to call the credit company saying I owe and asked. I called XXXX  XXXX  in XXXX and they said they cant give me information beside the amount I owe and to who to set up a payment plan and if I need further information to call XXXX XXXX. I called XXXX XXXX  and same with you around, no evidence of me Livng there call them again. I consulted a lawyer and they said filing a complaint is the best I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2022-03-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive tried multiple times to have this Account # XXXX removed from my Equifax credit report when the company is clearly taken advantage of my rights and is in violation of multiple FCRA laws. To start, In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : Also states a consumer reporting agency can not furnish a this account without my written consent.

Under 15 U.S.Code 1681b permissable purposes of consumer reports I never gave any written consent to report this a count to my Equifax credit report. No consent is identity theft.

Under 15 U.S.Code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) this account is in violation not reporting 100 % accurat, it lists Child support court as the furnisher thats forgery and misleading because the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
Unauthorized accounts and charges along with collections and unknown opened accounts with my personal 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 explanation
Consumer complaint received 2022-03-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I made a purchase on a credit card issued by Chime. 
The merchant based in XXXX did not supply me with tracking info and when they finally responded to me much later they sent me a tracking number from a XXXX XXXX that said the package was undeliverable. The tracking number had no address attached to it. 
I contacted Chime and send them the proof I have wich is communications with the merchant and my transaction reciept. 
The bank concludes the dispute in favor of the merchant. The evidence that they based their decision on is a record of the transaction. So a record of my payment. 
Again I did not receive any merchandise from said vendor or any proof of delivery or something like that. 
Now I have no money and no merchandise. 
It is not even about the money at this point. This is just wrong and I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: LA

Complaint narrative:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}

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 explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
XX/XX/2021, TD Bank froze my business savings account and has not given me access since. I have prove of e-mails attempting to fix this. I have called customer service countless times and even traveled back to the east cost from the Midwest where my husband was stationed, to fix this issue. I was told it would be resolved and my {XXXX} would be sent to me in a check and my account would be closed. This was XXXX XXXX XXXX Nothing ever happened. I have not had time to go home and fight this again, as I work full time and have XXXX kids. I need this resolved and Im not sure I can afford a lawyer to handle this issue. This is poor unacceptable customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
Unauthorized accounts and charges along with collections and unknown opened accounts with my personal 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 2022-03-17 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: FL

Complaint narrative:
Unauthorized accounts and charges along with collections and unknown opened accounts with my personal information

Company response to consumer: Closed with explanation