vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that 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 items of information, other than records of convictions of crimes which antedates the report 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 2022-12-13 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that 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 items of information, other than records of convictions of crimes which antedates the report 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 2022-12-13 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: TX

Complaint narrative:
they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.

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 2022-12-13 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: TX

Complaint narrative:
they are showing a late payment of 60 days which is inaccurate. the account has been paid in full and has a balance of XXXX as of XXXX XXXX the balance is reporting wrong as a XXXX balance that is inaccurate. please update correct information or remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a payment request through PayPal from a fraudulent source. I contacted Paypal and they refuse to investigate it as fraud or remove the request from my account. Their automated resolution center also rejects reports of fraud for this " type '' of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
The collections account on my credit report from Consumer Adj co ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) in the amount of {$650.00} was posted without my knowledge and is the result of fraud. I have never heard of, nor seen, the original creditor " XXXX XXXX XXXX  of XXXX  XXXX '' I am in XXXX, I use XXXX  XXXX at XXXX facility and have never been anywhere else. I also have detailed driving records for every day over the last 5 years to prove I have never been this this place. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. XXXXXXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX according to CFR 1026 regulation Z Billing Error. I have asked XXXXXXXX XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. I didnt consent nor benefit from XXXXXXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
The apple card does not provide a bill or account information, making it nearly impossible to pay the bill if not done through an apple iphone. I called and requested a paper copy of the bill since I'm not able to access any information. The paper bill has not mailing address, and no information about my account, so I'm still not able to make a payment from my bank or set up automatic payments from my bank. 

Is this even legal? The only way to make payments for this card seems to be through an iphone device ( the wallet app ). I did not know this when signing up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I have been trying to get my account back on track. My job sends me traveling and me and my crew became ill of covid and the project was shut down for 2 weeks we are unvaccinated. I was working with XXXX XXXX and explained my situation to her she said unfortunately there are no programs that can help me. She see i was making payments and keeping my payment arrangements but unfortunately the way my account is set up i can never get caught up. If i pay on the XXXX i get a new payment due the XXXX causing more late payments and keeping me behind. Now its to the point XXXX say oh well its nothing she can do since its no programs available and i just need to pay XXXX to stop the repossession and i can no longer make payment arrangements unless its the full amount. It's no way i can come up with XXXX and its XXXX plus I'm a single parent of XXXX paying a XXXX rent. The cost of living is going up but my check s are not and for them to a they cant help is stressful. I been paying them XXXX for XXXX yrs now that is almost XXXX and I still have XXXX left to pay. I keep the arrangements like she ask plus I was making payments to me that should show progress before I got behind I had my payments in on time unfortunately I didn't plan on my crew getting XXXX. This is a very stressful situation to be i I need my car to take the kids to school and go to work for them to say my payments are not helping and if i pay the my car can still get repo that's insane.

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 2022-12-13 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: TX

Complaint narrative:
i recieved a hard pulkl when the company said it would be a soft pull

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I pulled my credit reports from XXXX and became aware of inaccurate and incomplete account information being furnished by your company to each of the consumer reporting agencies : including XXXX, XXXX and XXXX. This incomplete, inaccurate and erroneous information is hindering my ability to obtain/extend my credit ; it is also causing me to be denied credit. I have previously disputed this information with the CRA 's and it has come back verified. Upon review of each of my reports, I have determined that you are furnishing different information to each agency. There should be no variations or inaccuracies being furnished. I am requesting the information you are actively furnishing to each of the credit reporting agencies that assisted them with determining that this account has in fact been verified by you. As a furnisher, you are governed by 15 USC 1681 ( s ) ( 2 ) to provide accurate information. I am asking you to permanently cease and desist from reporting the inaccuracies below : XXXX XXXX Dispute 1 : XXXX : Upgrade - Account details section, date opened, high balance, last payment and date last active Dispute 2 : XXXX : - Account details section, date opened, high balance, last payment date and date last active Dispute 3 : XXXX : account details section, date opened, high balance, last payment date and date last active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX ACCT # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX  ACCT # XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX ACCT # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  ACCT # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX ACCT # XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX ACCT # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent Experian a certified mail letter requesting information in which I have yet to receive a response! Experian is in violation of my rights as a Federally protected Consumer!

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 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I requested a refund of {$20000.00} from Great Lakes Education on XX/XX/XXXX and was told it would take between 30-45 days to have my refund processed. I have called on two occasions since then ( In early XXXX and also on XX/XX/XXXX ) to ask for updates but have not been able to receive any substantive information. It has been over 3 months now and I am concerned that my request is not being taken seriously, as I know others who have received their refunds in a much more timely manner. No update has been provided on their website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XXXX of XXXX, I was approached by a stranger I " met '' online. I was told that I would be sent money an amount a little over {$3000.00} ( which I was ) I was told to take the money that was deposited into my account ( via mobile check deposit ) and send it out to other people and then I would be given more money afterwards. The checks that were deposited were fake ( not to my knowledge ) the money was made available by the bank and I was prompted to both XXXX  and XXXX  payments to other people. I was XXXX and nave at the time, a XXXX XXXX with bills and financial obligations and I thought this was a quick fix. I did not have the means to pay that amount back during this incident, and 3 years later I am still unable to pay the money back. I was unaware that I was apart of a money mule scam and my account had been targeted ; some of the money that was taken when the check were returned was my own. The bank knowingly processed these fraudulent checks on my behalf, instead of looking into these amounts ( as I have never had anything over {$1000.00} in my account at the time ) the money was processed into my account, it was discovered the checks were fraudulent, and i was slapped with numerous inflated overdraft fees, on top of the account being overdrawn because the money was fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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 Act XXXX  XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, DEPT OF EDXXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX  XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States 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 non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
United wholesale mortgage is preventing my broker from sending my loan to XXXX XXXX where he can get a better deal for me. He said they threatened to sue him for XXXX XXXXXXXX if he does business with XXXXXXXX XXXX. Now he is telling me that he has to give me a worse deal because UWM is forcing him to. I'm pretty sure I am not the only consumer not getting the best deal because of UWM 's unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC
State: NC

Complaint narrative:
The debt is related to a family member but the collection agency keeps contacting my wife after being repeatedly asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a purchase using my XXXX for uber one pass. The company says it doesn't qualify for terms they can not provide me XXXX XXXX XXXX

Company response to consumer: Closed with explanation