vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the XXXX XXXX XXXX, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

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 2023-01-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i sent a letter out to XXXX, XXXX and experian. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.

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 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I got harrassing phone calls from XXXX XXXX. They claimed i had an unpaid Paypal credit card. I said I had NEVER Had a paypal credit card i got letters and many angry, harrassing calls from XXXX XXXX. 

I have a fuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They asked me to confirm personal info which I challenged and they said they would mail me some report. 

I got a letter, attached, from XXXX XXXX. I looked up Synchrony Bank. They apparently bought Paypal Credit. Someone must have FRAUDULENTLY used my ID to charge over {$900.00} on a Paypasl credit card. With interest, due to this FRAUD, Syncrhony Bank claimed that I owed more than {$1200.00}. 

I got more harrassing phone calls. 

They sent a form to fill out to dispute the claim and I took a Saturday XXXX  to go to a bank and have it notarized. I scanned it, emailed it in and mailed it in via USPS.

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 2023-01-02 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:
Improper use of my consumer report I XXXX XXXX consumer, XXXX! natural person, Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Delete this account immediately and update all the late payments, unless you want to be held {$1000.00} per violation Under 15 U.S. Code 1681b Permissible purposes of consumer which is fraud v FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX XXXX XXXX Account Number : XXXX Late payments v XXXX XXXXXXXX XXXX Account XXXX : XXXX. Please immediately delete this item. 

XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S. Code 1681b.XXXX XXXX XXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Remove Late payments XXXX XXXX XXXX XXXX XXXXAccount XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Remove Late payments XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PR

Complaint narrative:
XXXX XXXX Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-02 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Auto Loan Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I purchased the vehicle threw Westlake fin 6 mouths latter the motor went out and it was put in the shop and after further investigation they found it was a defective motor. So I left the vehicle at XXXX XXXX in XXXX XXXX were the vehicle was purchased. please look into this matter as soon 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 2023-01-02 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: IL

Complaint narrative:
On XX/XX/2022 I sent a letter to XXXX and Transunion asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I sent a letter to both the XXXX district courthouse and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from XXXX or TransUnion. According to the XXXX  all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from XXXX AND TRANSUNION reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of FRAUD, inaccurate public information on my credit report. I was XXXX  the time this Fraud information was attached to my name. I have sent proof to both XXXX and TransUnion showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX  XXXX # XXXX showing on XXXX is not accurate and needs to be REMOVED asap for accuracy. XXXX  XXXX # XXXX on Transunion is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.

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 2023-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
This debt was paid in full over the phone by credit card in XXXX of XXXX. I am still receiving collection attempt letters that are becoming harassment and this account has not been removed from my credit report and is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

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

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 2023-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I recently purchased a new XXXX from XXXX XXXX Toyota on XX/XX/XXXX and received financing through XXXX XXXX and was set to begin my payments from XX/XX/XXXX. I received a mail dated XX/XX/XXXX from the car dealership that the financing did not go through with no reasons specified nor a statement from the bank. I don't see how this is possible as I was approved at the time of purchase and have been using my car for the last XXXXXXXX XXXX I must also mention that I received no intimation from the bank ( XXXX XXXX in this case ) regarding the same. Is this not a breach of contract? Also, how could they allow me to leave with a vehicle if my financing had not come through. I did put down {$2000.00} on the day of purchase and I'm now concerned that I may have to lose the vehicle and my money on the basis that I have used the car for these many days. I don't see any grounds on which this can be done. The same thing happened with my roommate at a different XXXX dealership and they lost XXXX their down payment and the car so I do believe there is a fraudulent nature to this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
On my XXXX XXXXXXXX XXXX XXXX, all XXXX reporting Bureaus are reporting for the XXXX of XXXX as " Over XXXX XXXX ''. I have repeatedly disputed this information including my statement showing that the payment was made before being XXXX XXXX late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL XXXX major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.

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 2023-01-02 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:
I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.

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 2023-01-02 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: FL

Complaint narrative:
I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.

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 2023-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On my XXXX XXXX Credit card, all three reporting Bureaus are reporting for the month of XXXX as " Over 30 Days ''. I have repeatedly disputed this information including my statement showing that the payment was made before being 30 days late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL 3 major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.

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 2023-01-02 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: AZ

Complaint narrative:
On my XXXX XXXX Credit card, all three reporting Bureaus are reporting for the month of XXXX as " Over 30 Days ''. I have repeatedly disputed this information including my statement showing that the payment was made before being 30 days late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL 3 major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MO

Complaint narrative:
i sent a letter out to transunion, XXXX and XXXX. here my tracking XXXX however its been 30 days and the credit bureaus failed to send my investigastion back. this is not making any since.

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 2023-01-02 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: MO

Complaint narrative:
i sent a letter out to XXXX, equifax and XXXX. here my tracking XXXX however its been XXXX  days and the credit bureaus failed to send my investigastion back. this is not making any since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NY

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

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 2023-01-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 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 and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

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 2023-01-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.

Company response to consumer: Closed with explanation