vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
DP OF EDUC XXXX Balance : {$27000.00}, DP OF EDUC XXXX Balance : {$17000.00}, DP OF EDUC XXXX Balance : {$31000.00}, DP OF EDUC XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: NCB Management Services Inc.
State: MD

Complaint narrative:
I had an auto loan via XXXX my car was totaled in XXXX of XXXX I wasnt at fault so other parties insurance paid me my vehicle was a total loss. As of XX/XX/XXXX the payout amount was {$18000.00}. XXXX XXXX paid a settlement amount of {$13000.00} leaving a balance of {$5000.00} according to certified letter. Gap insurance paid {$2600.00} leaving a total of {$2300.00}. I received a warranty refund of {$2100.00} leaving a balance of {$210.00}. I received a maintenance refund of {$1900.00}. I should of received a refund of {$1700.00}. Not only did XXXX keep my refund they incorrectly reported my account to the 3 credit bureaus they also sold my account to NCB Management Services and they have a collections account for {$1900.00} which is the amount of my maintenance refund and NCB refuses to remove inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING CONTACTED MY WORK PLACE THAT MY CREDIT WOULD BE RUINED. XXXX IS THE FIRTS TIME I EVER HEARD OF THIS COMPANY. THE NEVER SENT ME A LETTER NOTIFYING THAT THEY WOULD BE REPORTING ON MY PERSONAL REPORT. THIS IS A VIOLATION OF MY RIGHTS. HOW CAN THEY USE MY SOCIAL SECURITY NUMBER CONTACT MY JOB ABOUT SOMETHING I KNOW NOTHING ABOUT. I AM SUFFERING FROM XXXX IN THE MILITARY AND THIS HAS STOPPED MY GRADLOAN TO COMPLETE SCHOOL.

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 2023-06-02 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not recognized

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 2023-06-02 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:
I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent

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 2023-06-02 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: TX

Complaint narrative:
I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. As a new user, I have not had the opportunity to engage in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal prioritizes the security and safety of its users, and I appreciate the measures in place to protect the platform. However, I believe there might have been a misunderstanding or an error in the assessment of my account. 

I kindly request you to thoroughly review the situation and provide specific details regarding the reasons for the blockage and limitation. I assure you that I am committed to adhering to PayPal 's rules and regulations and would like to resolve this matter as quickly as possible. 

I would like to emphasize that as a new user, I have not initiated any transactions or taken any actions that could raise concerns. I am eager to comply with any necessary procedures to verify my identity and regain full access to my account. 

To facilitate communication, please use the email address associated with my blocked account : XXXX. Kindly provide updates or any further instructions through this email. 

I am more than willing to provide any additional information or documentation required to verify my identity and resolve this issue promptly. Please let me know the steps I need to take to rectify the situation. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing this concern and enabling me to fully utilize the PayPal services. Should you require any additional information, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
I sent Experian a letter which i have attached below, stating that to provide proof of verified debt with proof of ownership with a right to collect on the debt, Name and address of the original creditor, breakdown of payments and an original contract with my wet signature. they received my letter XXXX mail. which got to them XX/XX/XXXX ( i have also attached proof ) I called them on XX/XX/XXXX asking why I haven't heard anything because XX/XX/XXXX by law would make 30 days and it would have to be removed. they stated they have it but haven't done anything with it. so, they put in the dispute XX/XX/XXXX by XX/XX/XXXX, they closed it out without giving me the items I have been asking for. there is no way they got the proof from the creditor with in 1 day and didn't even attach the proof to the dispute they had open. they just updated it with no responds and closed it. I honestly think they closed it out because they knew after XX/XX/XXXX it would have to be removed if I didn't get a respond, so they closed it out before that time frame.

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 2023-06-02 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: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UT

Complaint narrative:
I have consistently made timely payments without any instances of being late.

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 2023-06-02 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-06-02 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: UT

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-06-02 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: LA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
This complaint is about Commonwealth Financial Systems , Inc . I was never contacted by this company via mail to show my account was in collections. They can not verify this account is mine. They will take your money and never report it to the credit agencies. Its purely a scam. I feel bad for anyone affected by this company because theres really nothing we can do. My XXXX XXXX has dropped XXXX points due to these scam artist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Under 15 USC Code 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer 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 2023-06-02 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-06-02 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 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 non-monetary relief
Consumer complaint received 2023-06-02 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
This is a direct dispute against the newly updated information appearing on my credit report for Equifax. I am demanding a human investigation into an incorrect, inaccurate, and unauthorized account appearing on my credit report as a Collection and the only Collection I have appearing on my credit report being reported by Equifax as a Collection account with the creditor as XXXX XXXX XXXX and XXXX XXXX as the original creditor. Never did I initiate any contractual agreement with XXXX XXXX for insurance. I have contacted XXXX XXXX several times and informed them that I never had a contract with them. XXXX XXXX has failed to provide me with any such contract or records that I opened any insurance account with them! I am a XXXX XXXX XXXX XXXX and all my Insurance is with only XXXX XXXX by choice and has been for well over 30 years! My entire family is with XXXX XXXX and NOT XXXX XXXX. I never purchased insurance from XXXX XXXX. I have consistently informed XXXX XXXX XXXX that I do not owe any debt to XXXX XXXX because I never opened an account for any insurance services with XXXX XXXX! Further, XXXX XXXX XXXX failed to validate this alleged debt owed through a contractual agreement! They refuse to show me any such contract exists. As I have repeatedly informed eariler, I have insurance with only XXXX XXXX as a XXXX XXXX XXXX XXXX! This is a final demand to Equifax to investigate this matter and immediately remove this incorrect, inaccurate, and unauthorized account from my credit report. I demand Equifax provide me with a contract agreement containing my full signature for an account with XXXX XXXX for XXXX XXXX XXXX to be able to collect on a debt against me. Equifax refuses to show how this account was validated. Pursuant to violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ) I am demanding this Collection be removed from my credit report.I am well prepared to work with XXXX XXXX to seek legal assistance because this Collection caused me to be denied a loan and take legal action against all parties known as Equifax, XXXX XXXX XXXX, and XXXX XXXX! This is illegal and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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