vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and 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 2022-07-30 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: DC

Complaint narrative:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 explanation
Consumer complaint received 2022-07-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In 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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I have a retail installment contract in place with American Credit Acceptance ( ACA ). This contract is in violation of 15 USC 1602 ( h ) ( l ) and 15 USC 1693 ( l ), 15 USC 1681 ( n ) ( o ) and 15 USC 1635 ( a ) ( b ). ACA has been committing fraud by impersonating as my creditor. 15 USC 1602 ( h ) states that a consumer credit sale refers to a sale in which the seller is the creditor. The the XXXX XXXX XXXX XXXX XXXX 's and I 's contract, 15 USC 1693 ( l ) was violated. ACA is also in violation of 15 USC 1635 ( a ) for failure to disclose my Right to Rescission. There were no documents included at the time of my signing of this contract explaining my right to rescission nor were those documents included in the copy of my contract that was sent via email by their office manager, XXXX XXXX on XX/XX/XXXX. This leads me to my next point to rescind. 15 USC 1635 ( b ) states that once I as a consumer exercise my right to rescind, I am not liable for any finance or other charges. 

I've notified ACA of these violated codes twice via XXXX XXXX mail ( signature upon delivery ) that was delivered on XX/XX/XXXX and again on XX/XX/XXXX. I have requested to rescind my contract due to the Federal violated codes. I received an email from ACA on XX/XX/XXXX stating my payment for XX/XX/XXXX has been deleted. I called in that same day and spoke with one of their representatives who confirmed my cease and desists letters are on file which is why they will not be contacting me. The representative also threatened to repo my vehicle ( XXXX ( VIN : XXXX ) by XXXX. I still have not received any correspondence from ACA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX XXXX # XXXX XXXX XXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Company has called me over six times in one day, multiple times in an hour. There is then nobody on the call when I pick up. This is extremely disruptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022, I was charged an unauthorized Service Fee to my checking account of {$6.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: DC

Complaint narrative:
To whom it XXXX concern, I am filing this complaint for the SECOND time because upon my research it appears that Lexisnexis is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as LexisNexis. Lexis Nexis promotes fishing bankruptcies on XXXX which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. LexisNexis provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an 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 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Back in the Begging of XXXX I disputed this collection account that was on my Credit report from CKS Prime Investments LLC I had never heard of this company, nor had I received anything in the mail from them. On XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, I got the same repeated text message from them trying to collect the debt which they had yet to verify with me. On XX/XX/XXXX I actually reached out per the number on my credit report the phone number on XXXX is XXXX on my XXXX the number is completely different and then also this number that's texting me is different its XXXX XXXX XXXX. This was very confusing and to top it all off there are three different entities trying to collect. You have CKS XXXX reaching out CKS Prime Investments LLC Reaching out and also Velocity Investments LLC. This has really been frustrating because my credit report says CKS Prime Investments but these other companies are reaching out about the same debt. When I called on the 8th I requested a debt validation letter and also the original Contract with my signature from the original creditor and I have yet to receive anything. I have reached out multiple times requesting this information and haven't received it yet. on XX/XX/XXXX I even texted the number that text me requesting it and in the text it says They reply to them. I will attach. By law they were suppose to give me this information by 5 days in which I have 30 days to respond to it. This has not happen. On XX/XX/XXXX I called at XXXX am, they were closed but I left a voicemail asking for the same information and never heard back. I also called today XX/XX/XXXX and left a voicemail requesting that Information again. 
I want this account removed and deleted and not put back on my report or resold. That is illegal, According to 15 U.S.C. Sec1681i ( a ) if proof cant be provided it must be deleted Secondly The reporting on this account is also not accurate and up to date across the board with all three credit reporting Bureaus which I have disputed with them and it still has not been fixed. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 602 A States I have a right to privacy 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and 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 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion reporting credit agency has allowed unverified debt collecting entities to unlawfully and unverifiably report debts not owed resulting in damage to my credit score. I contacted TransUnion Fraud department on XX/XX/XXXX and spoke to XXXX who verified that I indeed was speaking to the fraud department. I advised XXXX that XXXX XXXXXXXX XXXX  activities were illegal and fraudulent. XXXX did not attempt to resolve the matter immediately as requested. TransUnion is selling personal information and also in agreement with fraudulent practices of fraud. I have had a fraud alert setup to protect me from such practices, that is set to expire, XX/XX/XXXX on my TransUnion account. I have no contact, agreement verbal or otherwise concerning 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 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello TD Bank Credit Card : In response to your attached voicemail message, we do not accept your reasoning for why you are reversing our credit card dispute charge back that you previously ruled in our favor, because we think that you are confused. 

The reality is that XXXX XXXX XXXX XXXX was hired to remove our case for litigation to the United States Supreme Court. 

Due to their perceived negligence, recklessness, and willfulness, as well as perceived bad faithXXXXdiscrimination against us contained within our previously submitted exhibits/documents, we are now forced to litigate this matter in the lower biased corrupt New York Supreme Court because they submitted our Writ too late after causing it to be rejected 3 times. 

So while the case may be docketed finally in US Supreme Court, it does not matter because XXXX XXXX got their product in AFTER NYS Supreme Court XXXX XXXX XXXX ordered us to respond ( and accept NYS Supreme Court jurisdiction ) because XXXX XXXX ( supposed 20 plus years professionals ) got rejected XXXX times since XX/XX/2022. 

Now that TD has apparently reversed this charge in XXXX XXXX ' favor, we will be suing TD Bank as a co-defendant. 

Be guided accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America continues to violate the Consent Agreement of XXXX and illegally still using false assignments caught in the IFR federal audit  in XXXX, and forged robosigned indorsment on the mortgage note.

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