vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction.

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. XXXX removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( THE XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report. XXXX has brought the remaining balance of my XXXX charge card to XXXX yet this company has failed to do the same.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature.

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 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.

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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A check was deposited in Bank of America and few days later they hold the money and part of that money was spent, so I called the bank and they said I lost that money

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need 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 removed from my credit report or send debt validation of these accounts with my signature.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED 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, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive currently tried to pay rent and the bank bounced back my check. I currently have over XXXX in my bank account and they wont let me touch or pull it out. I need my money and its effecting a lot of things in my life. I need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 XXXX  XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  - Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was using the chase app and was logged into the application. 

I left my phone whilst stepping away and someone used my account through my phone and made an unauthorized transaction through the XXXX XXXX, they added a new recipient without my consent and sent {$1500.00} to their friends account. Usually one has to be careful about their wallet however now in the 21st century you also have to now be very careful over your phone and your wallet it seems. 

I immediately reported the fraud to the bank within XXXX XXXX and waited XXXX  days for a response from the bank. 

The bank denied the claim and their reasoning was that their investigation was that there was no sufficient outliers to classify the transaction as fraud as it was line with regular account activity. The person who took my phone added a new recipient via the chase app and then sent {$1500.00} and this was clearly outside of regular account activity as I only add people on my phone contact list and usually its for smaller sums. 

This was a large sum of money and I should have been protected by the Electronic Fund Transfer Act as this was a transaction made without my consent. My bank denied the claim and I am now looking to join a class action against XXXX. 

I will be closing my bank account and changing my bank as a result of this as well if a unsatisfactory outcome is reached. 

A very frustrating experiance and XXXX needs to add much more protections in adding a new recipient i.e. entering your checking account pin or confirming personal details such as maiden name or secret question like other international banks when adding recipients and even where that person is already a recipient more security like the above examples should be involved when sending sums over {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 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 he 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 2022-10-08 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: AZ

Complaint narrative:
On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Webcollex, LLC
State: CA

Complaint narrative:
The debt collector began to demean me for not being able to pay my debt. She began arguing with me, raised my XXXX XXXX and tried to make me feel like I was a horrible person because my priority is not paying this debt in her eyes because I cant come up with the {$600.00} balance. I just lost a family member and am grieving at the moment. They continue to harass me with repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. XXXX removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.

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 2022-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one and 14 hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Previously I wrote and asked that Spring Oaks Validate this alleged debt by providing the Original Contract with XXXX XXXX with my signature and they did not! I also asked that they provide a FULL PAYMENT HISTORY of this alleged debt with XXXX XXXX the original creditor and they did not! I did receive some sort of bill in my email as proof of this alleged debt but that is not validation for me. I am unsure the bill is real and from the original creditor XXXX XXXX. And if it was from XXXX XXXX, then why didn't they request the payment history and original contract as well from XXXX XXXX like I asked them to do? What I do know is that this alleged debt is listed as a charge off on my report with XXXX XXXX  and they have written off {$980.00} with the IRS. This means that XXXX XXXX closed the account because the no longer expected to gain any payments on it in the future. This also means my current balance with XXXX XXXX is {$0.00}. So how is it that Spring Oaks Capital is trying to pop up in my life and try to collect {$980.00} from me for this alleged debt? When did I ever have business with Spring Oaks Capital? I did not or do not have any type of business agreement or contract with Spring Oaks capital. I never gave XXXX XXXX permission or any written authorization to share/ release my private information to any third party or collection agency. Title 15 USC 1681 section 602 states I have a " Right to Privacy '' and a creditor needs my written consent to report or share my information with any third party. Therefore, XXXX XXXX has violated my rights when they shared my information with Spring Oaks Capital without my WRITTEN CONSENT. Now Spring Oaks capital is currently in violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties,15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt,15 USC 1692f Unfair Practices attempting to collect an alleged debt and 15 USC 1692b ( 5 ). Therefore, my request is that Spring Oaks Capital stop/cease any and all credit bureau reporting of this alleged debt Permanently, do not transfer or sell this alleged debt, or my personal information to any other collections agencies. And I want a written response to my address above stating that this alleged debt account is closed in their system and will not be transferred or sold again to any agency or I will seek for damages thru a consumer rights attorney. At this point I believe Spring Oaks Capital Owes me about {$3000.00} for all the violations they put me thru and they need to pay me immediately!

Company response to consumer: Closed with explanation