vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I received a statement from Skopos Financial dated XX/XX/XXXX for amount due {$2100.00}. Paid {$540.00} on XX/XX/XXXX online ; {$560.00} paid {$160.00} and {$400.00} on XX/XX/XXXX both via money orders ; {$1000.00} paid {$510.00} on XX/XX/XXXX via money order; paid {$510.00} on XX/XX/XXXX via money order. All money orders were sent with statements via certified mail with return receipt. I went online to Skopos Financial expecting to see XXXX balance, instead I saw balance due {$1700.00} due XX/XX/XXXX. Last payment received {$510.00} on XX/XX/XXXX. When I checked my mail, I received a statement dated XX/XX/XXXX amount due {$2100.00} payment received {$400.00} on XX/XX/XXXX. From XX/XX/XXXX, the only amount I have owed Skopos Financial is {$2100.00} according to their website. I printed the statement from website. I have paid this amount. 
I have also paid car notes {$540.00} on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Total amount {$1600.00} + {$2100.00} = {$3700.00}. I would like to know what happened to the money that I have paid Skopos Financial {$3700.00} for this year XXXX? Any assistance that you can offer will be greatly appreciated!

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 2022-05-18 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:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry-XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act

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 2022-05-18 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:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
NORDSTROM has targeted me with discrimination for exercising my consumer rights. My account was closed, unbeknownst to me, on XX/XX/202XXXX XXXX XXXXXXXX without my permission. The adverse action was taken although account is in good standing, not delinquent or in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I found the dispute because I had phones fraudulently taken taken out of my account they refused to give them back to me because they were taken by an ATM I have no idea if my card was copied or if my somebody used my card since I have lost it they all hold me responsible because I did not put a freeze on my card prior to making my dispute with them I did not to touch these funds they were taken out in XXXX when I live in XXXX XXXX and I was sitting at home working as a caregiver taking care of my XXXX brother I have put in a police report and youre still holding me responsible they keep telling me to give them new information give new information Ive given them my time cards that I was on the clock and I was at home Ive given them the police report number I have given them history transactions that show I do not do transactions in XXXX I feel like the next thing they want for me is my boy yeah hold me responsible for the tune of {$340.00} on my checking account plus another {$140.00} on a credit card that took place in XXXX to the same company which is chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CL Holdings LLC
State: IA

Complaint narrative:
Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. XXXX will not allow me to re dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I recently checked my credit reports and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. Also, to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
on XX/XX/2022 multiples accounts were opened : XXXX XXXX XXXXXXXX, discover, XXXX XXXX debit cards online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was XXXX XXXX. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XXXX 2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the 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 2022-05-18 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: Synovus Bank
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AZ

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the 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 2022-05-18 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: WI

Complaint narrative:
I consumer XXXX entered into an agreement with XXXX XXXX , in XX/XX/2022 I disputed the fact that I have ever made a late payment, the data mining company Experian is reporting that I have been late which is negatively affecting my score. Experian states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The report does not meet the requirements per 15 U.S. Code 1692 this company is not reporting correctly.

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 2022-05-18 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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. 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 2022-05-18 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: MI

Complaint narrative:
The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions. 
I havent given these accounts permission to furnish these accounts on my report. 
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : 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 2022-05-18 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions.

I havent given these accounts permission to furnish these accounts on my report.

15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX CONVERGENT OUTSOURCING, XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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