vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: NJ

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: SC

Complaint narrative:
All of this happened on XX/XX/23. 

Someone was able to fraudulently open an account in my former name. They used my former name, former email address, current phone number, and ( most concerningly ) social security number. Upon first attempt to call BoA, I was unable to get past the automated menu due to not having my account number - ironically enough, the automated recording told me I needed to have my account number in order to speak with a representative " for my security ''. I stopped in the local branch and spoke with a teller who was able to determine the account number using my social security number for lookup. She gave me a 1-800 number to call and told me the number was being used specifically for the situation I described ( fraudulent account opening ). After being on hold for almost 30 minutes, I spoke with an agent who told me I needed to call a different 1-800 number. I was on hold for another 30 minutes until finally speaking with a representative. The representative was able to close the account, but I never received any written confirmation of this ( either email or paper mail ).

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 2023-01-08 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: WI

Complaint narrative:
Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: PA

Complaint narrative:
Went to landlord tenant court with former landlord over dispute about them not remediating toxic mold in apartment and us having to leave everything behind because it was unlivable. Won in court. They were ordered to let us out of our lease and give us back our security deposit. They gave us nothing and tried to bill us XXXX dollars for removal of belongings we had to leave behind them sold the debt to IQdata international I believe fraudulently. Then when iq data contacted us we requested debt verification through certified mail back in XXXX. Received NOTHING from them. Called to ask them to take it off our credit they said simply no well take it off if you pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This was early 2000s, well Fargo claimed to be point of sale on debit. Instead, they would batch transactions, processing the biggest ones first and assess multiple overdraft fees for every tiny transaction. My situation involved a double charge by another business. Over a weekend. Instead of processing transactions in date and time order, they processed the largest ones and assessed me over {$300.00} in overdraft fees. They refused to correct it. I feel they ripped me off and lied about being point of sale. If you use a debit, it should be processed in date time order.

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
This complaint is for recent activity on XXXX of my credit accounts with U.S. Bank, that I think the bank treated unfair and caused serious damage to my credit report.

It is concerning the credit card ending in XXXX that I had since XXXX and I believe was in good standing. From the opening in XXXX this card had no annual fees, and I believe I was not informed of any changes to the terms. The card had {$17000.00} credit limit and had XXXX balance for several months. 

In XX/XX/XXXX XXXX Bank imposed {$25.00} annual fee. It went below my radar, for the account was not in use and thus not routinely monitored. I believe I did not receive any notices in the mail, while paperless notices were inaccessible online. U.S. Bank was prompt to report the serious delinquency to credit bureaus and cut the available balance from {$17000.00} to {$500.00}. 

This caused significant reduction of my available credit, increase of % % of credit used, as well as delinquent status on my credit report. Now US Bank uses the drop in credit score to impose further rate increase on my other accounts and further limiting my available credit. I feel I have been treated unfairly and disproportionally punished. 

As soon as I had found out of the missed payment, I immediately paid off the outstanding balance even though I didnt understand the reason I was charged annual fees. I have contacted US Bank in writing and did not receive a response. I request US Bank to remove delinquency record from my report, and restore the card limit to XXXX XXXX amount.

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 2023-01-08 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-08 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: IL

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 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating " Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. ". On XX/XX/XXXX PAYPAL sent another email stating " Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. 

I, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. 

If PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
XX/XX/2020 I cancelled my cellular phone service with XXXX. I cancelled before the new billing cycle to avoid prorated charges. I also turned in all leased cellular devices as instructed by the XXXX representative. I have all of the credit receipts for each device returned to the XXXX XXXX XXXX XXXX XXXX. The Store representative assured me that i would not incur any further charges. I also returned a XXXX XXXX device that was provided by XXXX in my home to strengthen my devices signal strength while I had their services. 
I was reviewing my credit report in XXXX XXXX XXXX  and noticed that I had a collection for {$380.00} from XXXX through a third-party collection agency. I had not received any written or electronic communications prior to this time. I attempted to reach out to the listed collection agency on my credit report. I contacted Allied collection Services and sent all receipts verifying all cellular devices were returned to XXXX. A credit of {$1000.00} in total was returned. The collection agency representative stated that XXXX noted equipment was not returned but now the issue and balance should be resolved. 
However, I never received any other written or electronic communication to verify the collection agency had resolved the issue. My credit report continued to report the collection and also noted another collection agency called XXXX XXXX XXXX. The Allied Collection services noted {$0.00} in collection but the XXXX XXXX XXXX now is showing {$380.00} in collections on my credit report. 
I have made several attempts to contact these collection agencies but never received any recourse. No electronic or written communications were ever received. I even reached out to XXXX customer service before there company fully merged with XXXX XXXX and they only could tell me that maybe it was equipment I never returned or I owed a previous bill!. All of which I disputed and provided the receipts for returned equipment and reviewed all of my billing statement prior to me cancelling my service with XXXX. 
In closing I have disputed these collections on my credit reports without any recourse. I have all copies of returned equipment and my billing statements from XXXX XXXX XXXX XXXX. Any assistance to resolve these collections will be greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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 2023-01-08 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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 2023-01-08 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 — Investigation took more than 30 days
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.

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