vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporing Act, Portfolio Recovery 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. 

With regard to Portfolio Recovery, who is the collection agency responsible for an original debt owed to XXXX XXXX XXXX. 

First and foremost, Portfolio Recovery furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with Portfolio Recovery in an attempt to rectify the incorrect dates appropriately, however, Portfolio Recovery continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that Portfolio Recovery is reporting incorrect information as Portfolio Recovery, themselves, can not even keep the information straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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:
I have sent several letters to Transunion XXXX and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.

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 2023-07-27 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: CA

Complaint narrative:
There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: CA

Complaint narrative:
There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-07-28 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The following inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquired on XX/XX/XXXX and XXXX XXXX Inquired on XX/XX/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 2023-07-28 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: CA

Complaint narrative:
TransUnion sent me a letter dated XX/XX/2023 about identity theft in response to my CFPB complaints about them. File number XXXX. No one stole my identity you XXXX idiots. The credit system itself defrauded me. TransUnion and the banks and the government committed fraud. XXXX exposed it, but now it's everywhere. For instance I was defrauded today by " XXXX XXXX '' with a fraudulent adjustment to margin requirements while they are illegally " holding '' my collateral to manipulate the underlying securities. They aren't holding it though. It was rehypothecated and donated to politicians to commit election fraud among other things. XXXXXXXX XXXX  Cease and desist. Leave me the XXXX alone and delete me from your systems and stop spying on me. I'm done. Get XXXX you bankrupt criminals. I'm out. Enjoy XXXX yourselves.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and 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 2023-07-27 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: 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  XXXX. 

XXXX XXXX : XXXX  15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-27 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX. 

XXXX XXXX : XXXX  15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I began working for a XXXX XXXX XX/XX/XXXX. My first check was a paper check dated XX/XX/XXXX in the amount of XXXX drawn from Bank of America. I deposited it into my BMO bank  account. Within a few weeks I began to receive statements from Bank of America about a checking account with my name on it. I contacted BOA and spoke to the Fraud Department on XXXX XXXX, XXXX. I explained I didn't open an account nor authorize anyone to open an account and I want it closed IMMEDIATELY. I asked the representative if BOA opened it because the date it was opened was shortly after time my paycheck cleared. She assured me they wouldn't do that, they would need my authorization. She told me I would receive and email with instructions and paperwork in the mail, instructed me to mail back a copy of my SS # and sign stating I didn't not authorize. I refused to give my SS #. I received another statement with fees in the mail on XX/XX/XXXX. They refuse to close it. I took a photo of the check the day I deposited it. I did not open any accounts with Bank Of America and they refuse to close it.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Newly opened account, first payment due XX/XX/2023. I attempted to make the payment, but there was not any money in the account at the time, so it got rejected and I was charged a fee. I made XXXX and XXXX 's payments on time with auto pay. On XX/XX/2023, an auto payment successfully went through, but by accident a manual payment was processed as well. 
I tried to explain the circumstance, but the rep told me the decision has been made.

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 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-07-28 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: I.C. System, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporing Act, I C System 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. 

With regard to I C System who is the collection agency responsible for an original debt owed to XXXX. 

First and foremost, I C System furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with IC System in an attempt to rectify the incorrect dates appropriately, however, I C system continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as I C System, themselves, can not even keep the information straight.

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 2023-07-28 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
FirstPoint Coll  repo Today I had a collection showing in my credit report. A medical biller that my insurance paid. I called and verified that this bill was paid. I contacted the collection agency FIrst Point Coll Repo and the person was very agressive and XXXX and rude. He was asking me for money to have it deleted it from my account, ( money to him ) not the actual debt since the debt had been paid. He wanted money and was yelling at me and then started making very XXXX comments and after I hang up he was texting me on my phone ( he texted from XXXX dif numbers ) since I blocked him, he sent many texts messages threading me and making XXXX comments about my accent. Luckily I was able to record part of the phone call and I have text messages showing how aggressive and disrespectful he was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a claim against a fraudulent company to Bank of America. I used my debit card to pay for services from taxnetworkusa but then found out, right away, they are really moneysolver.org which has a massive amount of bad reviews. Also the person who called me from XXXXtaxnetwork ' lied to me by claiming he was in contact with the irs and they were coming after me... .scare tactics.

I made many attempts to contact taxnetworkusa ; 5 emails and several calls explaining this and asking for a refund... all within 24 hours.

My problem is Bank of America has no rational way to make a claim. There is literally no way to send them the information I need for my claim.

They claim that they only have fax for me to send to and I have no way to send these files using fax. That is last century 's technology. I tried online for half a day and failed.

Clearly this is how business is done today ; make it difficult as possible and they don't have to be serious about the claim. The claim will be denied for lack of facts. 
I called BofA many times and was told each time they only accept faxes. How is that possible today?

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 monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Misleading information by customer service on the dates and months this account was closed, investigated, requested by the customer of hardship the amount presented to paid while on XXXX months paid on time. The months of late payments in XXXX are unacceptable. A request follow-up from the credit report on the payment history before XX/XX/2022. Good credit / exceptional. 

I want an investigation done on this company as a whole! Until I filed a dispute, I called them several times. They never told me this account was closed each time I requested. Was it possible to use this card? Yes! Why did I pay the necessary cost to get back on track if it was closed? Indeed, I didn't want this card closed for having a significant limit to help me and my family survive this economic crisis. Once, I told a supervisor would get back to me to help activate my card after attempting to use it at the market twice was declined. 

I followed each transaction to keep this account active by borrowing money and got disappointment. Today, my credit is showing late payments, and I can't get any other support causes of these late payments on my credit by this company! I need my good credit rating back, and please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # I contacted TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

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