vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

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

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

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

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I took a 20 year loan with Banco Popular totalling {$91000.00}. On XX/XX/XXXX XXXX, I received a call from Banco Popular, XXXX XXXX XXXX XXXX. The call was to make me an offer of an amnesty of up to 4 months. My credit would not be afeccted nor late charges were not goign to be XXXX. I ask XXXX XXXX if the conversation was recorded, and he told me it was. I ask if the payments were going to be mmove to thje end of the loan and he told me yes. I ask if it was going to be a lump sum payment or installments and he told I just have to complete my installments. I took 3 months out of the offer of 4 months and resume my payments regualry. In my payment number XXXX I print the screen with the balance on the loan and the numbers of paymnents made. I did the same with the payment number XXXX. When I went to make the payment XXXX I notice the loan was increase by {$2700.00}. I made a call to the bank and spoke with XXXX XXXX XXXX, she send me a statemnet showing a second mortgage for the same amount, I stated writing since then telling her I have never apply for a second loa, that they sum that amount to me loan without my consent. I told her I wanted to hear the telephone converstion with an officer of the bank because the conditions offer and accdepted by me were very different to what they establish. XXXX XXXX told me several time that I just have to complete my XXXX paymnents, not that I was going to endo up payimg XXXX payments, that was not what we agree over the recorded conversation. I made the payment number XXXX and they charge my bank account but have not credited to the balance of the loan nor to the number of payments. I receives a letter that I missed a payment when I have the receipt of the XXXX payment. I hope you can help me, this institution is abussing of myself and probalbly of many other who have not notice the shceme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning is using deceptive to re-initiating an investigation that has a timeline start on XX/XX/2022. All corresponding are still attach to the initial dispute. Early Warning are using deceptive responses to stall the process of producing supporting documents for the dispute. Early Warning tried to contact me by phone at my request I asked at all corresponds to be mailed. I am sending another complaint with all the correspondence since the initial dispute after I was denied a banking account with XXXX from the information that Early Warning provide. Early Warning influenced XXXX decision because it is a reporting agency. Early Warning has shown throughout this dispute process to have deceptive practices as a reporting agency. My next step of action is to file a form complaint on Early warning via Texas Attorney General website per Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management reported a delinquent account on my credit report for {$70.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXX of XXXX and they said that it takes some time to get a copy of the police report. The collection company refuses to delete this account from my credit reports. The collection company should be able to verify and dispute the account themselves, since they are the ones reporting it delinquent to my credit. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX & XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with TransUnion, XXXX and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

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 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BLINCLOANS, INC.
State: CA

Complaint narrative:
have an payday loan that i didnt apply for also have had it removed from my report before and it has reapeared on my account need it removed. Blinc loans XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
1. Purchased a XXXX XXXX on XX/XX/XXXX. There were numerous issues getting the car delivered and I ended up having to trailer it from XXXX Texas to XXXX XXXX at my own time and expense. 
2. the inspection was not properly performed by Carvana before delivery and this held up the registration for several months. 
3. We were short a key they told us was with the car and they agreed to provide one at no cost. 
4. XXXX dealer would not provide a key without a current registration. 
5. By the time we had a valid registration ( months of delays by Carvana ), Carvana and their captive warranty company - XXXX  - refused to pay for the key. 
6. They owe me {$1200.00} as a result. 
7. They are trying to claim that the 120 day warranty that comes with any new carvana purchase had expired. THIS WAS NOT A WARRANTY ITEM!!!! THEY REPRESENTED THE CAR HAD TWO KEYS AND THEY AGREED TO PROVIDE THEM!!!!! 

Most recent '' : They are claiming they contacted us in XXXX. However, when we tried to make good on their promise with the XXXX dealer in XXXX, they said Carvana/XXXX told them it was too late. They defrauded us on the sale of the car and are now insisting we continue to make payments even though they have not upheld their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I received a letter from the IRS saying there was a charged off debt in XXXX from PNC bank. I went to a PNC bank branch on XX/XX/XXXX and they could not go back to XXXX in their system to identify if I ever took out any loans/credit cards. The IRS needs documentation proving that I never had any of these loans and I could not get them from PNC to prove this charge off was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Auto Account # XXXX, Account Name : XXXX Account # 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 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 XXXX 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 explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times and I DEMAND the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I purchased a phone online through XXXX back in XXXX for delivery by courier. The item never made it to me and the courier ended up never returning the phone back to XXXX, thus stealing the phone. I had taken out a loan with Citizens Bank through XXXX 's website for financing ( loan ending XXXX ). Once I started the claim with XXXX, they cancelled the order and refunded me the first installment that they charged me. I then noticed that the actual loan itself was still open on Citizens Bank 's end. I called XXXX and they reached out to Citizens Bank to tell them that the order was cancelled and the loan should be as well. I then called Citizens Bank when I realized that it was not and they told me that they will put in a request to close out the loan. I called again and was told that as soon as the refund was completed by XXXX, the loan will auto-close out. I waited a couple of weeks, logged on once I received the refund, and it was still open. I called again and was told that the loan never auto-closes and a request has to be put in for it to be closed or no activity on the account. I also want to add that I had another loan through them that I returned the phone and as soon as I made the return and was refunded, the loan was auto-closed. So that makes no sense. I called again and was told that I can request for the loan to be closed since it now has a {$0.00} balance or I can wait so many days and it will auto-close. I requested for them to put in a formal request. I waited again, logged on, and still open. I called again and then I was told that every time I called, that counted as new activity on the account ( I have never heard this before with any company ) and since I kept calling, it was restarting the 30 days or something of the loan closing out. I was also told that I should not be worried since the loan has a {$0.00} so it does not matter since no money will be auto-paid from my credit card on file. It has now been almost a month and the loan is still showing as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/2022 XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation