vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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: MD

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 : # 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 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 XXXXXXXX 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 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 2023-01-01 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
tried to get my XXXX free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.

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 2023-01-01 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: CA

Complaint narrative:
I sent TransUnion a dispute letter on XX/XX/2022 regarding inaccurate and incomplete information being reported for my XXXX XXXX  Auto Installment Account and XXXX XXXX XXXX XXXX # XXXX. I circled all the months that are incomplete for the XXXX XXXX Account. See attached. For XXXX XXXX, there are 12 months that are reporting that I paid {$0.00}, which is entirely incorrect. TransUnion sent me dispute results but it is unclear whether or not they updated the disputed payment history. When I tried requesting my free annual report, it directed me to an online version of my credit report which makes it difficult to determine whether or not they updated the disputed information. I also need to know if all my Fraud Alerts are removed because I have been attempting to remove 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 non-monetary relief
Consumer complaint received 2023-01-01 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: NY

Complaint narrative:
Experian is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( experian ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX XXXX experian website and system is saying already in dispute.not me!!!!!

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, American Express blocked at least 15 of my attempted uses of my American Express credit card, with ABSOLUTELY NO stated reason each time!!! I wasted HOURS because I had ABSOLUTELY no way of knowing, in every instance, of why each attempted charge was NOT being approved!!! In every instance, it was not until HOURS LATER that American Express texted me that I had to approve EACH of these charges because they " deemed them to be suspicious ''!!! That was/is ABSURD and LUDICROUS : all of these attempted charges were with large, well-recognized, established main-line vendors or merchants!!! There was absolutely NOTHING suspicious about ANY of these attempted charges!!! In every instance, I had to use a different card, requiring that I re-start the purchase ( including on-line forms ) from scratch, wasting hours of my time from running my self-employed business!!! American Express will try to tell you that there was some " fraud alert '' on my card that required them to do this. That is a BLATANT LIE!!! Not only have I not reported ANY fraudulent usage of my American Express card ; I did NOT even have a single disputed charge during this 3-moth period!!! Another reason I did NOT deserve this INSULTING treatment is that I have been with American Express for more than 15 consecutive years, building up an EXCELLENT credit rating with them during that time!!! XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXXXXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Attention : California CFPB I am a California XXXX. On XX/XX/2022 I received a loan in the amount of {$400.00} with an interest rate of 678.14 % ( XXXX ) from Black Hills Credit DBA Cascade Springs Credit. This company is predatory, and I believe this interest rate is illegal in California. 

This company claims to be a tribal lender that is not governed by the laws of California. 
Can you let me know if this interest rate is legal? If not, what are my options for dissolving this loan? 

Thank you

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 2023-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have an old account with World Finance and fell behind on payments due to the fact that I'm not XXXX and on a fixed income. I submitted a settlement offer based on what I could pay to settle the account. World Finance didn't respond to my offer and they continue to place additional fees and costs each month, which isn't right and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Uplift, Inc
State: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, AFFIRM INC, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: CA

Complaint narrative:
EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NV

Complaint narrative:
I moved out of my apartment that I lived in for XXXX XXXX  always paid rent on time and in full. 
After I moved out I checked the dashboard on their website and noticed that it me owing {$830.00} I called the manager at XXXX XXXX XXXX XXXX to verify thats going on and told it was a mistake and that the accountant would correct it. XXXX XXXX  latter I get a letter from a collections agency for the amount. I do not owe this money or was notified that I owe this debt. And in fact they owe me my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.

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 2023-01-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, 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 2023-01-01 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed inaccurate and incomplete information regarding XXXX XXXX XXXX XXXX XXXXXXXX with XXXX, noting that multiple paid months say No Data '' as well as inconsistent information being reported regarding the date of last payment and alleged delinquency. See attached dispute letter, credit report, and bank statements for XX/XX/XXXX, and XX/XX/XXXX, which are months where payments have not been reported to XXXX. 

I also disputed incomplete information regarding my SchoolsFirst FCU XXXX loan account with XXXX, because there are 11 months on the XXXX report that are inaccurate and incomplete regarding my Auto Loan payment history. See attached dispute letter, credit report, and bank statements for the incomplete months. 

After disputing with these credit reporting agencies, SchoolsFirst claims on correspondence dated XX/XX/XXXX that the information is accurate and there is nothing to update. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NY

Complaint narrative:
XXXX is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( XXXX  ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX 0n XXXX website and system is saying already in dispute.not me!!!!!

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 2023-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received services at a medical provider, but I wasn't able to pay my bill because I am low-income. I had applied for financial aid from the medical provider, but couldn't receive approval for financial assistance because I couldn't provide proof of address, due to living with family. As a result in XX/XX/XXXX, my medical debt was assigned to a debt collector, Professional Finance Company. The debt collector never made any attempt to contact me before putting this on my credit report like they are supposed to, before this was placed on my report, I should have received a letter stating that the debt has been assigned to their company, and informing me of my rights. Towards the end of XX/XX/XXXX, I sent a letter to the debt collection agency asking for debt validation letter. It will probably take 30-45 days before I get anything back, but I am still going to file this complaint The original amounts of the services from the medical provider were {$1100.00} and {$700.00}. The debt collection company has been adding interest since it was assigned to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: PA

Complaint narrative:
I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than XXXX weeks and I have not received a response and the FCRA says they are required to respond in 30 days.

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 2023-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
Applied for loan XX/XX/XXXX with a fee of {$5.00} said to be charged XX/XX/XXXX. Odd because how if loan wasnt approved to me until AFTER XX/XX/XXXX? Paid loan {$65.00} XX/XX/XXXX XXXX auto debit however they didnt take {$5.00} fee. Company does this in order to keep themselves tied to your account. Very hard to find cancellation process on website with the only option to do so is a downgrade to free account which offers no pay cash advances. After googling I found how ti cancel account but must wait for them ti withdraw this {$5.00} which shouldve been done with the {$65.00} paid on XX/XX/XXXX. See attached screenshot of company advising theyre in process of canceling account after next fee charged withdrawal on XX/XX/XXXX! XXXX still getting emails showing how much my checking balance is and no need for advance, my spending etc., these people need to be shut down because A consumer paid loan in full they purposely stay in your account with bogus reason as waiting to charge {$5.00} on XX/XX/XXXX!!!!!!! 

XXXX!!! Today is XX/XX/XXXX!!!!! 

Consumers HAVE NO CONTROL OVER THIS! PRIOR TO FINDING OUT HOW TO CANCEL/CLOSE ACCOUNT THE ONLY OPTION WAS TO DOWNGRADE TO FREE ACCOUNT WHICH KEEPS YOUR CHECKING ACCOUNT LINKED TO THEM HOWEVER YOU HAVE TO UPGRADE TO THE {$5.00} PLAN RIDICULOUS!

Company response to consumer: Closed with explanation