vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Ive included a screenshot with confirmation that this company did not provide any info regarding the findings of the accounts that are Associate it with the 2 complaint IDs that are attached to screenshot. Only one account was removed from my credit report which was XXXX XXXX. The accounts that are still on my report is causing problems with with me getting into a home. Please send information obtained regarding all accounts that are still in my credit after I started the dispute process, if that can not be granted please remove all accounts associated with complaint IDs that are attached as its been past 30 90 days. Also the I still have incorrect spelling of my name on my credit as I stated before my name is not XXXX Nor is it XXXX XXXX XXXX. My name is XXXX XXXX XXXX nothing more nothing less remove any other names thats on 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 explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have been banking with XXXX for less than a year my paydays to both my jobs has been large amounts ever bi-weekly this goes back months large and small as came out when I have used my ( card ) account for purchase shortly after my account is charged again or without knowledge of transactions even point of sales charges point of sales charges for an example most gas station pumps take out more but eventually return funds to my account I don't care for paying at the pump for that very reason, so I go in story and pay shortly after purchase I am charged again if u already paid for the amount wanted to realize you being paying double for items that wasn't authorized ever used charged merchant at store doesn't have a clue to explain are who to call to fix the problem so I contact my bank XXXX for one there no live person to contact on online rather than typing is not something that I do creates an issue rather than explain to and individual are trying to navigate through your app while disputing and typing conversation with agent through texting I also told them that I could send proof of my purchase by receipts couldn't provide me any information, so I ask to talk to a hirer ranking person never did thats when i realize what kind bank i dident want to trust funds with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am looking to fix the errors on my reports. There is information that is reporting that has been removed from my credit profile. But these accounts are now reappearing back on my credit. 
There is a list of accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reporting incorrectly late payments. Please validate the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Requesting disclosure of full investigation 15 u.s.c 1681d My primary email should stay the same on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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 act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: LA

Complaint narrative:
If, after my 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 ( 1 ) 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 reinvestigation ; and Accounts being disputed : ( 1 ) Account name- XXXX XXXX XXXX XXXX XXXX -This account is showing date opened in XXXX This is not correct. I did not open this account. 

( XXXX ) Account Name- XXXX XXXX Audit Account number-XXXX XXXX account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
Regional finance charge too much money for the small loan I received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: OR

Complaint narrative:
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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:
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. 

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I am no longer able to get help from them but I remember I could file a report here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: LA

Complaint narrative:
If, after my 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 ( 1 ) 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 reinvestigation ; and Accounts being disputed : Account Name- XXXX XXXX XXXX XXXX XXXX -This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from XXXX in XXXX New York. I originally was approved through a bank called XXXXXXXX XXXX  had an APR of 14 % a week later I received a call because I was self-employed. They denied my loan I was then approved from a bank called Exeter finance. My APR was 23.8 % 75 payments at {$740.00} per month.

At the time of the purchase, I had to return a lease vehicle that I had due to a bankruptcy, and I was also dealing with the death of my daughter and losing my job. For work I did farmers markets I needed a vehicle.

It is now one year later, and I decided to go to my bank to refinance the vehicle and a lower APR and fewer payments. It was at this time I realized I am being charged way too much for the vehicle. My vehicles current value is only XXXX I called Exeter for my payout amount and they told me I owe XXXX on the vehicle. However I purchased the vehicle for XXXX. My XXXX XXXX value brand new is only XXXX. I asked the woman to explain. How do I owe more than what I purchased a vehicle for I also asked her why am I paying double for a vehicle that is only worth XXXX. I asked her who I speak to to lower the APR, and she informed me after speaking to her manager because its fixed it can not be lowered. It was at this time I realized I might be a victim of predatory lending.

My bank informed me that they will not refinance for more than the car is worth hence I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a {$500.00} gift card on XX/XX/XXXX or XXXX I can't use it. I called the number on the back of the card and was told me will sent me a replacement new card.After ten days I received this new gift card but I found this new gift card isn't a new card. it is actived when I received. and I called the card campany to ask cleint help me active this card but she said, I can used it directly. but after 1 hour, I try to used this card, it not work, I ask my granddaughter to call the card campany again, but they asked my name and my granddaughter 's name and they said the name was wrong and they told me to call them by myself and I have to call again and again, I don't know what happened to this hour why they always saying my information is wrong, not my name, I asked to verify my address to them, if it isnt my card, how would I receive this replacement card, and then their attitudes are very bad, they dont listen to the explanation at all, and dont Solved the problem, only repeated that the name was wrong, I asked for ownership, every time I called them, they didnt solve the problem, even didnt give me the case number, I sent them my information by email, but there was no reply, I just want my card back, the gift is a new {$500.00}, but the original card is no longer usable, it's been a month and I lost the receipt, I only have this new replacement gift card, it's {$500.00} Amount that doesn't work, I think they lied to me by not wanting to give me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/XXXX Complaint ID XXXX In my complaint filled with CFPB and also with the XXXX XXXX XXXX 
MCM, inc.response NEED MORE TIME. 
MCM XXXX XXXX only provided XXXX verifications XXXX on XX/XX/XXXX and i received on XXXXAgain a verification doesn't provide any proof of any kind. 
They had XXXX plus year enough time to provide any proof and again none provided. 
Knowing that multiple lawsuits filled by CFPB & Attorney Generals from all States over the years against zombie debt buyers XXXX XXXX, MCM .Inc. and millons and millions was payed in fines for massive FDCPA violations. And again that MCM, XXXX is violating the laws by trying to collecton unresolved dispuded debts and ignore all my request for complete validations sent by certified mail. 
I consider this debt invalite and a complete fraud. 
I Demand a immediate respond to mine complaints filled to both the CFPB and XXXX and again they had more than enough time to provide any proof. 
If they dont respond within XXXX business days another complaint will follow with the XXXX Attorney Generals office and i will consult with my legal counsil for suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
Equifax is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft clearly says that the information required for a consumer reporting agency to block and delete information reporting on a consumer file. ( A ) Block- a consume reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Equifax does not comply with federal law. Who gave Equifax the right to deny me as the consumer of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents. I also did not give Equifax my permission to place an extended fraud alert on my consumer file allegedly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I bought a gift card for my friend on XX/XX/2022 as a thank you, he has {$300.00}, and I registered in my name for safety, my friend lives in California, he used this The gift card was tied to his XXXX and spent on online shopping, but XXXX returned the money to the card on XX/XX/XXXX. My friend and I decided to lock the account of this card in order to keep this The card will be used at the XXXX XXXX XXXX XXXX party, but earlier this month I found out that the card was stolen the day after XXXX refunded the money, at a restaurant in Washington, I had no idea, because the registration information in this account It is mine, and I have locked the account. I must verify my name and address to unlock it. Why would it be stolen? I can't accept it. I called customer service and they didn't solve it for me at all. I asked to unlock the gift card account. They said they could only send me the remaining few cents in it. It's ridiculous. My {$300.00} is in the account. Locked and used by someone in far away Washington, why not be responsible for the safety of customers ' funds? Need to claim, hope to get 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