vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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:
According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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:
I have sent XXXX, XXXX, & Equifax multiple complaints about fraudulent transactions made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK
State: MO

Complaint narrative:
On Tuesday, XX/XX/XXXX, I withdrew {$200.00} from a prepaid card at a Commerce Bank ATM and received XXXX {$50.00} bills. I immediately used my Commerce Bank debit card to deposit these funds into my checking account. The machine malfunctioned and gave me a receipt stating that there was an error processing the request and to call the Customer Service number for the bank. I called the number while at the ATM and spoke with a gentleman who advised that it would take 3 days for the bank to investigate. On Thursday, XX/XX/XXXX, I called the Customer Service number for an updated stated and was advised that it could take up to 10 days for the investigation to be complete and that if I have any questions, to visit the branch. I went directly to the branch and spoke with an assistant manager, who said that she would try to have the {$200.00} deposited into my account and that she would call me by end of day. I did not receive a call from her and the funds have not been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Attached is an identity theft report with all fraudulent inquiries that are being reported to my Equifax credit report. 

Fraudulent Equifax Inquiries XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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: Early Warning Services, LLC
State: NY

Complaint narrative:
early reporting agency reporting inquiries on my credit report that are unknown, unrecognized and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
We moved out of our apartment ( XXXXXXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.

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 2022-12-23 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: AL

Complaint narrative:
15 U.S. Code 1681s2 A person shall not furnish any info. About the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ; ( b ) the information is, in fact, inaccurate 15 U.S. Code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Improper investigation into existing issue Law states that : The term investigative consumer report is information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported They didnt speak w/ any neighbors, friends, or associates so the investigation isnt valid

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 2022-12-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Files on my report were not removed as I was told they would be! Would like assistance please help during rough period!

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 2022-12-23 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

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 2022-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company has produced a loan account on my credit file that I did not sign or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This Company is NOT reporting my Payments I'm making on my loans.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENTRECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account XXXX {$1500.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-23 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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX 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.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To whom it may concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I am in need of your assistance.due to there being a misunderstanding in communication between Bluebird and I. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes. 
2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history. 
3 ) Retrieve $ XXXX XXXX XXXX XXXX XXXX they state XXXX will only allow the financial institutions/ Bluebird to return funds to customers once a dispute has been opened.

Please investigate and assist me in addressing these errors. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NH

Complaint narrative:
This is a predatory loan by Discover. Loan ( s ) were taken out in 2011. I have paid nearly {$65000.00} over XXXX years on 2 loans that were for a total of {$49000.00}. I STILL owe over {$36000.00}. They refuse to lower my monthly payment and it is destroying my credit and crushing any hope of owning a home/starting a family. 

Here are the details : XXXX XXXX - XXXX 8.625 % ( this is the current rate ) - variable XXXX XXXX - XXXX 11.125 % ( this is the current rate ) - variable Discover states that the terms ( including variable rates ) were disclosed during application process, which is probably true, however I am just finding out about this now. I admit I was young and inexperienced when I took these out and don't remember the conversations during the loan process but I have never once been told that these are variable rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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