vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: NC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020

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 2022-04-22 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: NC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020

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 2022-04-22 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: NC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 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 2022-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS FIRST XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries

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 2022-04-22 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
On XXXX I received an email stating that my payment was going to be deducted from my account on XX/XX/XXXX with my debit card ending in XXXX. On XX/XX/XXXX, due to a lost or stolen debit card, I went into my One Main Account and I cancelled the payment with the old debit card payments ending in XXXX and setup new payments with the new debit card ending in XXXX. One Main canceled all the old payments that were arranged and the new payment with the new card without my authorization on XX/XX/XXXX. Then made an excuse that they had a declined message from the payment method on XX/XX/XXXX, but failed to mention they ran the old debit card, which is a closed account. It was entirely their fault because on XX/XX/XXXX XXXX XXXX XXXX, my bank, approved the transaction to go through on the new payment method or debit card ending in XXXX. One Main explained that they weren't going to pay the fees that I had accumulated for the late or missed payment because it wasn't their fault and insisted to call my bank and have them pay the fees back to me. Clearly they blatantly lied to me at One Main because the bank records at XXXX XXXX XXXX prove differently than their store tells. My facts align with my story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I submitted a check for {$25000.00} on XX/XX/2022 to Chase Bank. Originally i was told there would be a 9 day XXXX hold on the money. On XX/XX/XXXX I called Chase to ask how to expedite the process, and they said they bank the check came from, XXXX XXXX had to authorize it. I called the individual that wrote me the check after to call their bank and check their account. They reported to me that the money had already been withdrawn from their account, but it wasnt in mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S XXXXODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-22 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OH

Complaint narrative:
I disputed information that is wrong and reported 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 explanation
Consumer complaint received 2022-04-22 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: OH

Complaint narrative:
I disputed information that is wrong and reported inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 disputed information that is wrong and reported 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 explanation
Consumer complaint received 2022-04-22 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I recently retrieved my credit report, and it showed the below highlighted credit inquiries that I have no knowledge of ever authorizing. I am writing to dispute the following inquiries lacking certifiable evidence which should be deleted from my credit report unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act and asking for them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I made a mortgage payment to Amerihome Mortgage on XX/XX/XXXX in the amount of {$2400.00}. The payment never posted to my account. I've talked to 4 supervisors and over 20 agents. They misplaced one other payment, and after 2 months they finally posted that one. The first payment never posted. The bank sent four transmittal reports by fax. They have received everyone and says it's in review. They continue to close the accounts, and I have to get them to open the same one every month. One agent said my payment would be posted on XX/XX/XXXX but I still haven't seen anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received a letter dated XX/XX/2022, from Credence LLC stating I have an alleged debt that they have overtaken. They are asking for me to send them {$1500.00} to resolve a so-called account that their company has taken over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
XXXX XXXX  hired Raush Sturm LLP to collect a debt from me. The account balance was {$2900.00} from XXXX XXXX. This action was taking after I sent my letter for cease and desist on XX/XX/XXXX. However fraud was indeed committed if the debt collector doesn't have first hand knowledge when the transaction between the original creditor and I exchanged information. This credit card company is essentially taking my social secuirty number and charging me a fiancing charge to do the paperwork equal to the amount of credit that was extended. I demand for them to show me the paperwork. I have cited several illegal actions committed. Collections Agency, can not be both purchaser and assignee- Its either one or the other ( Gearing v. Check Brokerage Corp ) 233 F. 3d 469 ( 7th circuit court 2000 ) Misrepresentation by collectors about themselves or the debt are actionable regardless of intent. 
Collections Agency if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. ( FDCPA Section 809 ( b ) FTC opinion letter CASS from LeFevre ) Collection Ageny if they use any kind of harassment or abuse ( FDCPA Section 806 ) Collector must me in the county which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. ( FDCPA section 811 ( a ) ( 2 ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jusrisdiction, a collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) a
ny consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accourdance with the written instructions of the consumer to whom it relates.

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 2022-04-22 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I paid off my Ally car loan on XX/XX/XXXX. My next statement in XXXX would have shown XXXX balance so credit report should also reflect XXXX balance but it does not

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