vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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 non-monetary relief
Consumer complaint received 2022-05-15 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:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I written Americollect and requested all items pertaining to the collections account. and proof of how this debt is owed to me. 

This is not adequate proof of the debts belonging to me. Americollect has failed to validate or verify that these debts belong to me according to the fair credit reporting act, Americollect SHALL provide documents proving debt owed and they have failed to do so. I am requesting immediate removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted the creditor XXXX XXXX XXXX XXXX  XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my Experian report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.

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 2022-05-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Td bank XXXX amountXXXX XXXX XXXXcc# XXXX**XXXX XXXX XXXX XXXXXXXX acc# XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name 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 2022-05-15 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: AR

Complaint narrative:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

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 2022-05-15 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: AR

Complaint narrative:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Am a XXXX XXXX XXXX XXXX XXXX  who sat for my XXXXXXXX XXXX XXXX  on the XX/XX/22 and failed. so i went to look for help online and found this online tutoring service program which claimed to be tutoring students on the XXXX XXXX XXXXXXXX XXXX XXXX  with very high chances of passing but they did not allow any other form of payment other than getting a loan from AFFIRM and the payment has to be fully paid before they even enroll you So they have this AFFIRM icon on there website that was the only active one the other credit cards like XXXX XXXX XXXX XXXX  were inactive. so you are left with no other choice but get this loan even though you dont know how this service operated but since it was stated on the affirm website that if you are not getting the service that you expected from the merchant in 6weeks of getting the loan affirm can help you get back the money ( LOAN ). so i went a head and applied for the {$1800.00} which was what they were charging for 8 weeks with one session weekly for 45mins a session which for sure was over priced anyway coz its was just sending questions which one can get freely on line and you tube. 
After one session i realize this is not going to help me pass my exam coz it was just typing sending me questions from a question bank no direct contact with the tutor yet i expected a kind of XXXX thing. 

So I write to them after two weeks to counsel and get me out of this program but was willing to pay for the two sessions i had with them and they refused saying i have to pay for the loan I didn't even use coz they have a NO FUND policy So I got to affirm website and filled a complaint as it is states on the website that if you are not satisfied with merchant and the loan is within 6 weeks since they issued it they can help you get a refund i was with in the time frame coz it had only been 2 weeks they reply me after about 3weeks they say they work with the policy of the merchant so i have to pay the XXXX dollars i did not even use. 
its not fair for me to pay for a loan i did not use i accept to pay for the 90mins i had with them but why should i pay a whole XXXX dollars for a service i did not use. 

this seems like a trap am in now and am afraid it may affect my credit score which i have worked for years to build and protect. 

am kindly requesting for your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: AZ

Complaint narrative:
I called equifax on XX/XX/XXXX to let them know they violated my right to privacy as a consumer pursuant to 15 usc 1681 4 by publishing information on my consumer report without my permission pursuant to 15 usc 1681b ( a ) ( 2 ). I told them to remove the derogatory mark from my consumer report. they said that they would send a dispute to the debt collector about the derogatory and that is not what i requested. i would like Equifax to remove/delete the derogatory mark from my consumer report asap due to the laws I provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I receive a robo call from XXXX XXXX XXXX telling me that they will cut my service if I don't Pay my bill today so the robo call said press 1 if you want to make the payment so then a man pick up the phone and said How can I help you, so i told him that I receive a call from you ( XXXX XXXX XXXX ) said that you guy going to cut my service I ask hi why and he said let me see, put me on hold and he come back and said yes we have not receive your payment and that is why, do you want to pay today to avoid the issue, I was scare and too him yes but he said we don't take checks, credit card or ATM the only way is going to be through XXXX, I answer I dot now how to use that app and he said ok I am here to help you, then he start telling me how to navigate through that Application. 
But before all this happened I hung up the phone and call the XXXX XXXX number to make sure it was them and yes it was they're number, he call me back and that is wend I tough it was real!!!! 
so he keeps telling me what to do and I did the transaction through XXXX for the amount of {$990.00} from Bank of America, then he said ok you have a credit here so I am going to sent you a code for you to put into XXXX to get that Money back at that point I realize that it was a scam and immediately hung up the phone and call my back and told them what had happened and the said that unfortunately there is nothing we can do, so I am keep calling my bank to see they can help me but no luck I have learn that If some one INDUCE you into transfer money Even if I agree the Bank have to refund the money, it this right???? 
thank you for your Help.

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 2022-05-15 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:
The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: PA

Complaint narrative:
I contacted the creditor XXXX XXXX XXXX  ( XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. Transunion it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.

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 2022-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX. XXXX XXXX Account paid full charg off. 1 XXXX XXXX XXXX, mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Ability Recovery Services, LLC
State: UT

Complaint narrative:
Ability Recovery Service reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with ARS AND the credit bureaus ( mainly XXXX and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.

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 2022-05-15 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: UT

Complaint narrative:
XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly XXXX and Equifax ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address XXXX uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - Ally Bank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated XXXX XXXX po box

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 2022-05-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX Citibank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated with fraudulent po box

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!

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 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!

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