vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 USC 1681. 
XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX Account Number : 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.

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Trans Union, XXXX XXXX : This company reports 2 public records on my credit that do not belong to me Bankruptcy XXXX THIS Bankruptcy references Numbers # XXXX XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2- Bankruptcy XXXX Reference Number XXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Trans Union 1-Collections Agency Name : XXXX XXXX XXXX THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Collections Agency Name : 2-XXXX XXXXXXXX XXXX XXXXXXXX. 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

3- THIS Bankruptcy references Numbers # XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

4- Bankruptcy XXXX Reference Number XXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX 1- Collections Agency Name : XXXX XXXX XXXX THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXX 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for credit with XXXX XXXX XXXX through XXXX XXXX XXXX on XX/XX/2023. I was denied credit in part because my score was reported to be XXXX by Equifax according to the automobile sales company and the enclosed letter from XXXX XXXX XXXX that I received in XXXX. On the same day that I submitted my application, I checked the Equifax website which reported my score as XXXX. Additionally, I received the enclosed free credit report from Equifax that I requested as a result of the credit denial with the score showing XXXX at the time of my application. I have reached out to both companies in an attempt to resolve the discrepancy and to identify the issue that has both companies saying that my score from Equifax is different. Both companies refer me to the other company to resolve, which leaves me unable to fix the problem. I have been denied credit from other companies beside XXXX XXXX XXXX because of this same issue and would like to bring the problem to a close. Please assist me with resolving this issue and moving in the direction of resolution. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
According to the FCRA consumer law 15 U.S. code 1681 e Compliance procedures : section ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The attached account PORTFOLIO RC ( XXXX XXXX XXXX  XXXX XXXX ) XXXX Fails to report accurate information. 

The account type reports as a collection with XXXX and XXXX, but as an " open account '' with XXXX. 
The date opened for this account reports as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XXXX. 
This account is reporting a " past due '' amount XXXX on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting nothing, which proves inaccuracy as well. 
This account is reporting a payment status of " late 120 days '' on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting collection/charge off which proves inaccuracy as well. 
This account is reporting a " last reported date '' XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on XXXX which again proves inaccuracy. 
This account is reporting a " date last active '' of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which proves major inaccuracy. 

As you can confirm from the attached documents and what is stated here, there are NUMEROUS inaccuracies with this account which violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CT

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

XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # ID 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
3x I am complaining since nothing has been done by WELL FARGO. On XX/XX/XXXX I deposited TWO XXXX money orders at a WF ATM in XXXX XXXX. I bought these with my debit cards next door at a post office and paid {$2.00} each. I was going to deposit cash at the branch but had to go to work and the ONE teller had 5 people on line. I put the cash in my car and used my debit cards from XXXX and XXXX to buy these 2 money orders. Somehow the next day I get a call from WF ( XXXX hours after the deposit ) that the MO are fraudulent. I said that's impossible. he said with his thick and hard-to-understand accent that I am basically a crook. My acct online said the checks are being held for 10 days to clear. Then I get a notice that my acct is being closed for fraud!!! So my account is closed with {$1000.00} in the acct which I have never received and WELLS FARGO HAS STOLEN MY XXXX MONEY ORDERS X2!!!! tHEY OWE ME THIS MONEY. it's mine. After my previous complaints to the CFPB on this matter, all I get is the standard CFBP form that WF needs more time. In the meantime, those 2 MO deposits have disappeared from my acct and I only have XXXX in it which I can not access. I did get a call from a XXXX XXXX @ XXXX ext XXXX who told me basically to shove it while she takes 10 days to look at it. I also got a call from a " XXXX ''. both people do not return my calls. Im out all this money while they decided that I commit fraud!! I get a letter today that my deposits on XX/XX/XXXX ( they even have the incorrect date, it was XX/XX/XXXX ) have been researched and I am not entitled to them. No reason for the " not entitled to them '' statement. Who decided this? What experience do they have in these situations? Not one reason has been forthcoming. I am closing copies of the XXXX money orders and the letter they sent denying my XXXX XXXX deposits. This bank has a history of paying huge fines to the US government for opening accounts for people who did not know they did this ... charging them exorbitant fees and also huge interest on auto loans. I WILL NOT BE A STOOGE FOR THEIR ANTICS. If I DO NOT GET MY FUNDS FORTHWITH, I WILL SUE THEM AND ACTUALLY SHOW UP IN COURT WITH MY RECEIPTS. I can use XXXX small claims court to start and my brother is corporate lawyer who would do this for me gratis. Show me proof of fraud. I enclose all the documents.After just checking my account online, even my XXXX balance is gone.. it shows ZERO balance!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: LEXISNEXIS
State: MD

Complaint narrative:
I have attempted to resolve this issue by asking the bureaus to make the proper corrections by deleting this erroneous account over the past two years and they have refused to do so. I have provided documentation such as police reports, my ID, my license, and verification that these accounts do not belong to me. My first dispute for this item was back in XXXX, I sent out another dispute letter in XXXX as I saw that it repopulated back onto my credit file. And it wasn't until recently when I received a newer version of my credit report for the year of XXXX did it reoccur. Not only is this account erroneously reporting on my report, but it is reporting three times on my credit file which is a violation of the FCRA. It seems that LexisNexis not only removes these items from my credit report but they also repopulate it back onto my credit file. I am attempting to resolve this issue prior to taking the next steps necessary to assure that this doesn't repeat again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: NY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple collections accounts on my credit report with XXXX XXXX XXXX. I disagree with the prior investigation done by the bureau, and I have serious doubts about the accuracy and legitimacy of these collections. 

I was not provided with any information on how my debt was validated, who validated it, the original contract, and the services provided. As a consumer, I have the right to be informed of these details, and I have not received any information regarding them. This lack of transparency and communication is unacceptable and violates my rights as a consumer. 

Furthermore, I am extremely concerned that these collections have been verified and validated to ensure that every piece of information is 100 % accurate. It is essential that these collections are thoroughly verified and validated, and I have doubts that this process has been carried out as it should be. I am worried that my credit report has been negatively impacted by inaccurate and illegitimate information, which can have severe consequences for my financial future. 

Therefore, I demand that these collections be removed from my credit reporting immediately and that my rights be protected. I am willing to cooperate with any further investigation to prove my innocence and clear my credit report. It is imperative that XXXX XXXX XXXX takes appropriate action to resolve this matter and ensure that all information on my credit report is accurate and legitimate. 

In conclusion, I am extremely disappointed with the way XXXX XXXX XXXX  has handled this matter, and I urge you to take immediate action to remedy the situation. I look forward to hearing from you soon. 

Sincerely, 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 2023-03-11 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2023-03-11 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: Army and Air Force Exchange Service
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2023-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
Date of Service XX/XX/22 Amount {$160.00} XXXX XXXX XXXX turned over a medical bill to a debt collector, MediCredit, even though I provided information on multiple occasions demonstrating that payment had been made and no additional money was owed. I sent emails, made phone calls, and sent certified letters o providing documentation that a payment of {$160.00} was already made by my XXXX XXXX XXXX through my insurance company. Neither XXXX XXXX XXXX nor MediCredit have provided documentation supporting their assertion that payment has not been made. I have supplied documentation from my insurance company with dates and EFT numbers showing that payment was made to XXXX XXXX XXXX. MediCredit most recently sent correspondence indicating that an investigation has been completed and the amount is due ; however, they have not provided any documentation or details about the investigation. I have repeatedly provided documentation that the amount has already been paid and nothing is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: U.S. BANCORP
State: MO

Complaint narrative:
In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account 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 non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland funding has mixed my personal credit files with relatives including my name social security number and other information trying to collect a debt they purchased without my knowledge or authorization to purchase or sell my personal information and have it displayed on other credit reports. 
Midland funding was deleted permanently from XXXX, I need this account removed immediately. There are too many violations according to FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My complaint stems from confusion about a letter received by the bank. I am struggling to make my mortgage payments as XXXX  has impacted me physically and financially. I applied and have been approved for the NYS HAF program with the assistance of the local Belmont Housing Services. I received a letter dated XX/XX/2023, from the bank regarding the program but was conflicting as to payments. The bank advised they would handle any mortgage payments sent to us while regular payments are being made through the HAF program. Subsequently, it stated to remain in the program I must continue to meet eligibility criteria and comply with my agreement. Further, the letter states mortgage payments are not required to be made to Bank of America which I had been doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
They claimed that I have three accounts with them that I did not recognize, they did not respond appropriately to my debt verification request and reported three false accounts to XXXX credit bureau.

Company response to consumer: Closed with explanation