vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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:
In accordance to the Fair Reporting Act XXXX  Account - 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 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 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial
State: KY

Complaint narrative:
Company, Preferred Lease XXXX XXXX XXXXXXXX XXXX, Tx. XXXX, reported alleged debt over {$600.00} to all ( 3 ) major Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) as written off and neglected to send form 1099-C or proof of filing status for this current tax season and continues to report a late payment balance despite it's responsibility to the IRS. Preferred Lease continues to report this information to these agencies after being sent notice of violation ( XX/XX/2022 ). This adverse action against me has affected my general mode of living and has caused financial hardship to my Family and I. Please assist me and thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion improperly calculated my credit score ( it dropped XXXX pt in 1 day without any information or substantiation ). Multiple attempts to contact Transunion via phone or website have failed. The XXXX 's online dispute form is broken after submission. 
Given the XXXX 's market position, there is no visible recourse.

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 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express Cards were closed by the company for an excessive number of billing disputes. I hadn't made a billing dispute in over 3 months and the company had only reached out to me once for making billing disputes, and I had only made two since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: IL

Complaint narrative:
I am aware of the debt and in the process of arranging payments The debt collector is calling places of employment and I have co workers now entitled to information that is not any of their business please ask the debt collector to only call my cell XXXX or home phoneXXXX, if I don't answer leave a message or mail me a bill. 

my employer does not allow employees to accept personal phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 Accounts # XXXX, # XXXX, # XXXX and # 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 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX @ XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, Account # XXXX : Alleged amount owed {$2000.00} XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXr UT XXXX, Account # XXXX : Alleged amount owed {$300.00} XXXX : Address, XXXX XXXX XXXX XXXX, OR, XXXX Account # XXXX : Alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX Account : XXXX alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX XXXX Account XXXX XXXX Alleged amount owed {$120.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account # XXXX Alleged amount owed {$1100.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX Account XXXX XXXX ALLEGED AMOUNT {$3.00}, XXXX The collections above has been reported as past due balances. I do not know these companies I have never done business with these companies these companies do not have a contract with my signature. I would need them to take this off my credit report and do not try to put it back on my credit report or I will sue them for violating my rights.

15 Us code 1681i reporting inaccurate information.

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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a new XXXX XXXX after receiving a {$150.00} statement credit promotion when making a {$500.00} purchase at XXXX in XX/XX/2020. I contacted Synchrony Bank, the issuing bank of XXXX XXXX, after three months where I fulfilled the conditions required for the promotions. I contacted them numerous ( over 7 ) times about this issue and they said they would investigate the issue multiple times, but it was never resolved.

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 2022-04-23 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: GA

Complaint narrative:
In accordance to the Fair Reporting Act XXXX  Account - XXXXXXXX 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 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 2022-04-23 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 to the Fair Reporting Act XXXX Account - XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: MD

Complaint narrative:
XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. 

I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC
State: NV

Complaint narrative:
When I purchased my lease I was sold by the sales team that XXXX have their value and I could use the equity at the end. Now that my lease is completing I am told that the only way I can sell it is to buy a new a new vehicle with volvo AND it must also be financed with Volvo. The dealerships have conflicting information, and the representatives at Volvo Financial lack empathy and seem to numb to this situation. We have struggled to make the payments, and were planning to utilize the small equity that we had. Now we have to turn in a unit that has equity and then they charge fees to turn in. Then I am sure they are going to charge to recondition. It just seems deceptive and this process benefits 100 % volvo financial. If I could just pay it off there would be no additional fees. I feel as though no one is standing up for the consumer and they have become greedy with inventory issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IL

Complaint narrative:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED 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 2022-04-23 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I settled an account I had with Chase that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with Experian to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.

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 2022-04-23 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: CA

Complaint narrative:
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 XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-04-23 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: CA

Complaint narrative:
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 XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX po box XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion, Credit Reporting Agency is currently displaying on my consumer report inaccurate/outdated addresses after being alerted of the errors XXXX of 2022. Addresses reported in error are as follows ; XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX Please contact them regarding this matter and thank you for services.

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 2022-04-23 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: VA

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 U.S.C 1681. 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. 


XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XX/XX/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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but Experian is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of HIPAA. Unauthorized inquiries are being reported by all 3 credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized 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 2022-04-23 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: SC

Complaint narrative:
I have no knowledge of these items being reported on my credit report I have request validation of these items by submitting any documentation with my wet ink signature on it. These items are reporting negative on my report in which The credit bureaus have failed to provide me with a proper investigation into the matters. I have filed a police report as well as a FTC complaint in regards to this matter. According to the FCRA and the FDCPA you are required to provide me with all of the documentation you have verifying that this debt belongs to me. XXXX account # XXXX is the account in question

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