vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: Kriya Capital, LLC
State: SC

Complaint narrative:
ON XX/XX/22 for the amount of {$380.00} CREDENCE RESOURCE MANAGEMENT has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to XXXX without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by CREDENCE RESOURCE MANAGEMENT nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiry not mine XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiry not mine 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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: WI

Complaint narrative:
XXXX  is reporting an eviction that the courts DID NOT report to them to report. This is Defamation! Yes it is public information BUT they did not get my CONSENT to Publicly share my information or report it. This is ruining my reputation and I am liable to SUE for damages, they have violated the FDCPA and that makes them liable under 15 USC 1692k Civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services
State: WY

Complaint narrative:
Applied and was approved for a loan in XXXX of 2022 for {$1000.00} of which I could withdraw funds as needed. However almost immediately they said they were having an issue with their website and I couldnt access funds. This continued for some time. At one point I could not make a payment and contacted them immediately and was allowed to miss it but would make it up at the end of the loan. They then took it from my account without my consent or knowledge causing me to overdraft right before XXXX. Still could not access my supposedly available funds and was no longer receiving communication from them. Then they just cut off my account access completely today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Global Lending Services LLC
State: GA

Complaint narrative:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal account ( XXXX ) I have XXXX in my PayPal account. On XX/XX/XXXX, Suddenly my account has been permanently limited. I did not receive no email or any communication stating my account was limited or why. I called and was told that all I needed to do was upload documents ( id and bank statements ) after that I called and was told i had an old account with a negative balance and needed to pay that balance. I had funds transferred from this account to that account to cover that negative balance on XX/XX/XXXX and was told that I will have access to my funds within XXXX XXXX. I called today XX/XX/XXXX and was told that I am limited due to transactions ( i verified that I was sending money to myself as I was having issues with withdrawals ), and they told me still that I had to wait 180 days to have access to MY MONEY!!!!! I am at risk of XXXX and this is unfair. There's no way that they need to hold on to XXXX for 6 months. I have not ever received and mails regarding any communication Ive had with them. I believe they are attempting to steal my money. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement.

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 2022-12-30 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
Equifax is governed by 15 USC 1681 And they violated my right numerous of times.

I demand the accounts listed below be remove because.

According to 15 USC 168 : I have the right to privacy and 8 didn't give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX XXXX 'S XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX AddressXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX AddressXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : 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

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 2022-12-30 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
Fraudulent credit inquiry dated XX/XX/2021 in an attempt to get credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX and XXXX are showing a XXXX XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on 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 2022-12-30 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:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX  ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. 

How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? 

The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALLY BANK XXXX XXXX XXXXXXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

A copy of my credit report I received from annualcreditreport.com.

The fraudulent items are circled and listed here : 1. ALLY BANK AUTO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from XXXX The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert

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