vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Admin Recovery, LLC
State: VT

Complaint narrative:
I had credit card debt with XXXX XXXX In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named Admin Recovery aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently XXXX XXXX  made an error and charged off the debt to Admin Recovery ( even after the settlement agreement was made and paid ). XXXX XXXX ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from Admin Recovery ''. I called Admin Recovery and informed them of this situation and of what XXXX XXXX  said. Things were quiet for months. 

Admin recovery started repeatedly calling me again. I called XXXX XXXX  again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact Admin Recovery stating that the account is settled in full. I never received the fax. 

Admin recovery is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.

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 2022-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CA

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. 

Account name : 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 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 XXXXXXXX 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 2022-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I consolidated my student loans back in XXXX and my loan servicer is Navient. My beginning principal was {$190000.00} and I was informed my interest rate was fixed at 2.875 % for 30 years. I have been diligently paying my student loans having never missed a single payment. But I was informed this week that Navient has been incorrectly applying an interest rate of 3.125 %! This difference amounts to several tens of thousands of dollars in additional interest that I was erroneously charged that was never applied to my principal! I called customer service on XX/XX/XXXX and the representative XXXX said Navient has no intentions to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: NY

Complaint narrative:
I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( EXPERIAN ), XXXX XXXX {$730.00} reporting amount ( XXXX ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer.

I am the consumer and I do not give my permission to furnish information on my report at this time.

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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: FL

Complaint narrative:
Since XX/XX/2022 The XXXX XXXX and associates have been contacting my Mother, Uncle and my daughters telling them that a company has filed a legal complaint against me and asking my whereabouts. I do not know what this debt is about and i want them to stop contacting them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NJ

Complaint narrative:
I whent to the car dealership to purchase a vehicle. i was not inform that my credit will be ran by multiple lenders. my credit was shared with out my consent by unknown source. 
Hard Inquiry XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29 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: FL

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 The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
1.My name is spelled wrong 2.wrong date of birth 3.unknown address appeared on my file.

4.Credit report shows unknown inquiries 5.credit report shows wrong addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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 demand to be deleted immediately 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 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

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 2022-11-29 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX ( Original Creditor : SPEEDY CASH XXXX ) XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX $

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( XXXX ), XXXX XXXX {$730.00} reporting amount ( TRANSUNION ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer. 

I am the consumer and I do not give my permission to furnish information on my report at this time.

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 2022-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.

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 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX

Complaint narrative:
I fell victim to predatory lending by MaxLend. I took out {$750.00} in XX/XX/XXXX. Then I realized on XX/XX/XXXX that I was charged {$200.00} bi-weekly, meaning I had paid {$2100.00} by XX/XX/XXXX. After paying MaxLend these payments, which totaled {$2100.00}, MaxLend only applied little to none of the paid amounts to the principal balance. For example, for each biweekly payment of {$200.00} where the principal balance was $ XXXX, the ending principal would still be $ XXXX. This means that only a few cents to a few dollars of the {$200.00} bi-weekly payments I made were applied to the loan 's principal balance. Even after I had already paid {$2100.00} total by XX/XX/XXXX, I only had a few repayment options : Pay an additional {$810.00} to stop getting charged a biweekly {$200.00}. I even asked if I could get back the previous money paid in interest since the original contract was supposed to last until XX/XX/XXXX, and I paid off the loan on XX/XX/XXXX, and the answer was no. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance. 
Pay the {$200.00} bi-weekly charge, most of which would not be applied to the principal balance plus extra. 
To stop getting charged the bi-weekly {$200.00} until I could report the issue, I picked option one meaning a total of {$2800.00} was paid to MaxLend. None of the options allowed me to pay the principal balance. When the loan was taken out over the phone, it was not explained that I would be paying $ XXXX for a {$750.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NV

Complaint narrative:
In accordance with the fair credit reporting act convergent account number XXXX XXXX XXXX XXXX opened XX/XX/2022 amount of {$1400.00} has violated my rights. 
I am not responsible for such debt. I have verification from original creditor XXXX XXXX that I owe {$0.00} debt. Please remove this debt and the incorrect information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am this consumer and I do not give permission to furnish information on my report at this time.

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 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.

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