vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
To Whom it May Concern : A Hard inquiry was performed on XX/XX/2023 to my Credit by XXXX XXXX ( CNAC ) which was not authorized by me. I have not signed any paperwork or applied for any auto leases or loans through this or any other Company. While my husband does have a outstanding loan with this company, my information was not used, in full or in part, on any of the paperwork pertaining to this loan. I have not given Verbal permission, or Authorization of any form as well. I feel that my personal Information has been compromised as I did not give them any of my Information, such as but not limited to, my Social Security Number, or Date of Birth. I feel as though this is a attempt to steal my identity and use my information in any way that they seem fit without. I would greatly appreciate if this issue could be investigated and evaluated to the fullest extent. Thank you for your time, dedication, and service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
A company named XXXX XXXX put a lien on my bank account with XXXX XXXX  XXXX back in XXXX of 2015. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, XXXX and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called Law Offices of Robert Colclough that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to XXXX XXXX, nearly 8 years after I resolved my issues with XXXX. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, XXXX XXXX XXXX. 

I called the Law Offices of Robert Colclough to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with XXXX XXXX. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Inaccurate Address : 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 XXXXXXXX Inaccurate Names : 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under XXXX XXXX Code XXXX Permissible purpose of consumer reports. 

THE LAW CLEARLY STATES! 
( a ) In General Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I ever give you written instructions to furnish this account on my report? 

Furthermore, the Fair Credit Reporting Act XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences. 

Delete the above late payment from my consumer report. This agency is in violation of XXXX XXXX XXXX XXXX. 

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance XXXX. Civil Liability for willful noncompliance [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NJ

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to Equifax, but they have indicated I need to submit a fraud report through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Albert Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX through their customer service email. I wanted to know how I could get cash back through their debit card. 
The bank replied the same day and stated that " You can still use a Cash Back even without having your direct deposit to XXXX or getting a Genius subscription. '' As XXXX explicitly stated that I should be able to get cashback regardless of any paid subscription I signed up on the XX/XX/XXXX based on this ground. Had this cashback feature not available to me I would not have enrolled. 

But it turned out that it was false advertising. I wrote to XXXX to tell them on XX/XX/XXXX and XX/XX/XXXX. They did not answer anything relevant out of saying they " apologize for the confusion this has caused [ me ] '' on XX/XX/XXXX by email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MD

Complaint narrative:
I received a letter today XX/XX/XXXX at my new address from my old address, the letter was from Bank of America stating I have a new account that was opened on XX/XX/XXXX. I have contacted BOA by phone for the branches are closed at this time ( after XXXX ). A rep did assist by temporarily freezing the account. the account was opened on XX/XX/XXXX. The letter states it is a XXXX XXXX account. No money deposited as far as I can tell by the letter. 

I need to know how they were able to open the account under my old name and old address with my credit report locked.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: MD

Complaint narrative:
My name is XXXX 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.

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 2023-01-31 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: FL

Complaint narrative:
I am intersted in disputing all incorrect information on my credit profile with transunion. checking my file alot of data is invalid please update an correct all information submitted.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Mortgage committed a UDAAP violation by refusing ( in a phone call on XXXX ) to provide details relating to the sources, data, & formulas used in calculating an alleged escrow shortage in the amount of {$11000.00}, which effectively doubles my total monthly payment ( from {$1800.00} to {$3600.00} ). 
A dramatic increase in monthly tax payments ( from {$95.00} to {$830.00} ) could indicate that Chase Mortgage failed to perform due diligence when purchasing this loan, and/or Chase Mortgage chose to notify me of this situation only after mortgage rates had spiked in order to prevent me from refinancing. This could be considered a second UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
early in my banking experience on numerous occasions overdraft fees and other fees were assessed.

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 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Revco Management, LLC
State: NE

Complaint narrative:
PRIOR COMPLAINT- XXXX Please see previous complaint. This company said they are no longer collecting this debt and to call the provider. The provider says to call the debt collector. They now garnished my wages with no notice of any court hearing and all the while I still never received any items I requested or had the opportunity to go to court to dispute. Payment arrangements were coerced and payments were being auto deducted until they said they are no longer collecting. THEY stopped deducting payments! The garnishment order does not have XXXX phone number but goes to an attorney office. Are they an attorney or a collection agency or one in the same? They have over XXXX complaints with the BBB for very deceptive collection practices. They need to be investigated. I have called repeatedly, had electronic payments being taken, asked over and over for detailed bills and detailed payment receipts. No response or answers are ever provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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 BEEN A VICTIM OF IDENTITY THEFT. THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCK/REMOVED WITHIN 4 BUSINESS DAYS : XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX 2022

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 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I had a XXXX  card and back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My partner lost her job. We werent able to make payments on the card. XXXX turned the account over to XXXX XXXX. I never recieved anything by mail from them. When I asked what address they were mailing to, they got angry. I stated I have a po box every thing needs to me mailed to the po box XXXX if it didnt have the po box our post office sent it back to sender. XXXX would call everyday either my number or my sons cell phone. When I would explain to them that I wasnt able to make payments right now, they got mad. Once a gentleman called from XXXX and I told him once we got on our feet I would start making payment. He told me I was a liar, that I never planned on paying it back. He proceeded to tell me i was going to me sued and asked how I felt about possibly going to jail. This went on for about a year. Then I tried to reach out to pay my debt and they told.me I was being sued. AnotheXXXX XXXX months went by I never recieved anything. Then on XX/XX/XXXX I got a complaint and summons that they were suing me. Javitch Block LLc is the attorney. I have tried to reach out to them to pay this debt. When you call they dont have enough agents for the wait time is XXXX plus minutes. I sent them several emails asking to reach out to me. I emailed and faxed a settlement letter ask for them to contact me. Still nothing. I got on XXXX XXXX and dis a settlement. They replied to me then with we will not communicate or negotiate through XXXX XXXX. I want to settle this debt. But I feel being harrassed daily, cursed at, and threatened is not worth amswering the phone when they would call. And for Javitch block to say that want to clear up this matter, but I need to contact them. How do I contact when no one answers the phone and they dont reply back to my emails.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
My Discover card was on Auto-pay when I left for vacation in early XXXX. My bill due XXXX was {$1200.00} and I had {$1800.00} in payments due to a refund and my weekly payments. Auto pay in full was added to start on my XX/XX/XXXX bill. my Vacation over seas was XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX my bill was paid in full. AFTER my bill was paid in full XXXX {$65.00} was paid from my small weekly payments ( I should have a {$65.00} credit at that point ) XX/XX/XXXXXXXX XXXX XXXX XXXX  charged for a touch up kit that should be under warantee ( disputed ) Starting XX/XX/XXXX many charges under {$20.00} appeared on my card. The last charge I authorized on my card was XX/XX/XXXX. All charges after that are fraud. My XXXX bill showed a credit and my XXXX bill shows a {$33.00} balance due ( about {$85.00} difference ) since then my Discover card app shows another {$10.00} charge. I've spent hours getting passed between departments with Discover. A senior sales rep stayed on the phone XX/XX/XXXX for over an hour and saw how each department sent me to another department. Her manager was supposed to call me today ( no call ). I asked for her direct line. No direct line. She was XXXX in XXXX  ( That's all they will share ) I still show I owe for charges in XXXX  on my recent bill ( I'm in XXXX  but fraud was in XXXX  ). Please help me get this straight and close my account with Discover! THANK YOU.

Company response to consumer: Closed with monetary relief