vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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:
There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2022-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX SV Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

16. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Hi there, So when I was XXXX XXXX XXXX in XX/XX/2021 I went into a dealership to get a car. They told me I had to put {$600.00} down and I would walk out with a car that day. That did happen, although I was given a car that was worth about 1/3 of the loan. First of all, I think it was messed up to do to a XXXX XXXX XXXX. They knew I had no idea what I was doing and took advantage of that fact. Now I am XXXX, stuck in this horrific loan and am backed into a corner. This is because I can not keep up with these payments, so it's effecting my credit. I have tried to refinance with over 15 companies and no one will approve me because my credit is dropping and the negative equity on the car is too high. And on top of it all they sold me a car that needs about {$800.00} worth of repairs. So here I am at XXXX having to consider bankruptcy which I really don't want to have to do and hurt my financial history until I'm almost XXXX. I need help, I was taken advantage of and I need someone to advocate for me and help guide me out of this situation. Please, if there is anything you can do I beg of you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
And accordings with the fair credit reporting act convergent XXXX has violated my rights. 

XXXX while I was recovering from XXXX XXXX regarding a single late payment. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A section 2 : It also States that a consumer reporting agency can not Is furnish an account without written Instructions.

15 US 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for any purpose.

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 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
Beginning in XX/XX/2021 I received a notice from Glasser and Glasser LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, claiming to have been hired by XXXX  XXXX XXXX to collect a debt of {$4000.00} that I owe them. The account with XXXX  XXXX XXXX has been written off as a bad debt and reported to be credit bureau. I contacted BOA regarding this matter and they said they have never heard of this firm. My account was never reported to a collection agency. It was sent directly to the credit bureau once I defaulted. 

This agency has sent me so much paperwork over the course of time. I've discarded most of it because I thought they had left me alone. I have contacted Glasser and Glasser telling them that if they contacted me again I would file a claim against them. But I see they have resumed the harassment. Apparently, they didn't take me seriously so I'm making good on my promise. 

I'm telling them again to stop contacting me because I'll not pay them anything. I tried to download a copy of the paperwork they sent but it won't download.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC
State: CT

Complaint narrative:
COMPLAINT ID XXXX previously submitted details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
To whom this may concern, I have a collections account in the amount of {$2000.00} on my XXXX credit report. I spoke with the company to try and get the collection resolved and let them know that I had no association with the address that they are trying to tell me I owe money about. I reached out to XXXX to dispute the collection and also told them that I have no knowledge of the collection. The address that is associated with the collection account I have no previous knowledge of. The creditor " rent recovery solutions '' continues to call me 2-3 times a week from the same area code to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-06-10 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 have sent to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all these companies.

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 2022-06-10 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 Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/2022 at XXXX my friend accidentally sent me the wrong amount of {$1800.00} on VENMO, at XXXX I returned the money back to her and both the money sent to me and the money I sent back are listed in my Venmo transactions as completed. On XX/XX/2022, Venmo froze my account and removed all funds I had in the account due to a chargeback from my friends card issuer. My friend explained she didnt know the amount went BACK to her venmo balance and not her card used, she called her bank and canceled the dispute. I have tried to contact Venmo in multiple ways- phone, email, chat without resolving the issue and they have closed my account keeping it frozen. I am owed the money back from Venmo removed from my account balance which in total is over {$700.00}. They will not return the funds and will not give me any explanation or resolve the issue with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 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:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2022-06-10 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 2022-06-10 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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:
These accounts do not belong to me, please block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove.

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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
allegedly i did not paid for insurance, i was never cover never send me anything to dispute and never prove to me anything i do not owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: OH

Complaint narrative:
I have ask over and over for Experian XXXX disput thru letter to Investigated and Re-investigated XXXX XXXX I so as well keep ask XXXX XXXX thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both Experian and XXXX XXXX both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible

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 2022-06-10 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: Westlake Services, LLC
State: CA

Complaint narrative:
This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



In accordance with the Fair Credit Reporting act XXXX 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

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 2022-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I refinanced through XXXX  XXXX. They sent the appropriate payoff amount directly to Chase with all of the required information in early XXXX. Chase signed for and cashed the check, then sent the money to a third party for no reason at all. They refused to get the money back, and have been sending me notices that I am late in payments, have ruined my credit, have turned the account over to collections ( although they no longer own it ), and are currently threatening to repossess my vehicle. 
XXXX XXXXXXXX retrieved the payoff money from the 3rd party, and Chase is now saying that they need 2 weeks " to review '' the account. 
As a result of their negligence, my credit rating has declined XXXX points, and I am getting daily collections calls from the 3rd party. The latest call threatened to repossess the truck ( that they do not own! ). 
I have made frequent calls to Chase, as has XXXX  XXXX, to no avail. Chase refuses to acknowledge their malfeasance, and have repeatedly lied to shift blame onto either myself or XXXX  XXXX. They have said that the wrong information was sent, that the original check did not have the correct account number, that I haven't made payments, or that the 3rd party has the money- all easily verified as false. 

Chase acknowledged that the payoff was cashed by another company affiliated with Chase, and that they haven't attempted to apply the money correctly. They also acknowledged receipt of the documents and acknowledged that the check had been cashed by the Chase affiliated. 

They have said that they need to " investigate '' - in the meantime, my credit is ruined, and I it has resulted in my application for a business account to a different bank be rejected. 

I am including the documentation from XXXX  XXXX. 
I need immediate help. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXXXXXX 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

Company response to consumer: Closed with explanation