vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: Arco Collection Services LLC
State: TX

Complaint narrative:
1. Under Texas law, most creditors aren't allowed to garnish your wages except for court-ordered child support payments and spousal maintenance. ( Tex. Const. art. 16 28, Tex. Civ. Prac. & Rem. Code 63.004 ). Texas employers must also comply with garnishment orders for federal debts, like federal student loans and taxes. But not garnishment orders that involve consumer debts. 
3. ARCO Collection knowingly and illegally garnished my paycheck knowing that I lived in Texas, this is unfair and deceptive on XXXX XXXX & ARCO Collection. 
4. XXXX XXXX called my phone stating that he was the attorney for ARCO and if I paid him {$540.00}, + the processing fee & setup a by-weekly payment that he would stop the garnishment that day. XXXX XXXX is not the attorney for ARCO but a manager for ARCO. XXXX was DECEPTIVE 5. I was never contacted to restart payments by this creditor ( ARCO ), they immediately started garnishing me. 
6. I am attaching the garnishment paperwork that I received from my employer, I am attaching my check stubs that shows ARCO broke the law and I am attaching my bank statement where XXXX XXXX contacted me stating that If I paid the {$540.00} that day that he would stop the garnishment. 
7. 2 weeks later after I paid the {$530.00} to stop the garnishment another garnishment was taken from my paycheck. I called ARCO to speak to XXXX and XXXX stated that I owed him that payment for him having to garnish me. 
8. XXXX XXXX ARCO Collection is - unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and according to the law. 
9. Also, ARCO has not sent me a update of my balance after it was requested. I do not believe that XXXX and ARCO are following any laws that you set.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America decided to close my account and I dont know why. I have {$500.00} in the account from a return I made on a purchase months ago. The money is in the account but Bank Of America will not let me access it or send it to me bud certified check.

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 2023-10-19 00:00:00
Product: Credit reporting 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: GA

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 00:00:00
Product: Credit reporting 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: GA

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 3 Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-19 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear sir, Today, on XX/XX/XXXX, I happened to check the credit card, which your company must have provided. In the morning on XX/XX/XXXX, I had found out the illegal usage on my previous bank credit card ( XXXX XXXX XXXX XXXX ) twice ; therefore, this credit card was closed immediately through your company website. I enclose the document, which has sent to Bureau of Consumer Protection on XX/XX/2023. When I opened the website this morning, I found out that there were several transactions on the closed account with XXXX purchases, which I dont recognize at all because there is no transaction history on my XXXX account side. I enclose all printouts of these illegal JP Morgan Chase Headquarters and the proof of XXXX non-existing transactions. While I checked all illegal transaction records on your company site, I realized the card ending number was different, which ending XXXX. Since I have not received my replacement credit card from your company and your company site indicated somebody used my supposed-to-be new credit card, I sincerely imply the possibility of thief of this card. I, also, enclose the proof I ordered my new usable card, which is usable safely, legally, and ethically by me. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have mailed letters with documentation ( includingXX/XX/XXXX Bankruptcy discharge order ) in the past few months to update information on my credit report with Clarity Services. On XX/XX/XXXX I mailed dispute forms, a letter from a creditor, XX/XX/XXXX XXXX Bankruptcy, petition and the schedules with the debts listed. I received a report on XX/XX/XXXX in the mail with only a few of the accounts being removed or updated on the report. I understand that some of these creditor may no longer be in business however, perXX/XX/XXXXbankruptcy discharge order all debts owed at the time of the petition filing date of XX/XX/XXXX is discharged unless their is a reaffirmation agreement. Personal loans, installment loans, payday loans, and credit cards are not securred loans and are not allowed to be reaffirmed.

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 2023-10-19 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
These accounts are reported with incorrect information in my report even though they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
This is for a dental bill. That the dentist should have ran through my 2 insurance companies. They did not. So it went to collections. I tried to connect w the dental office to ask them to bill my insurance they still did not. Debt collection agency called me and i reiterated this, and the women told me she didnt care. I asked for a debt verification letter. She refused to send and told me fine, Ill just put this on your credit. And continued to repeat fine Ill just report it to your credit over and over. So I couldnt speak. I hung up on her. 

It is now on my credit report, as she threatened. I havent heard from this debtor again or received any letters to verify the debt, as requested. Abusive and abrasive!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Spoke with a representative on XX/XX/2023 at XXXX and he denied to send me a bill, he also stated on a recorded line that the address he had on file was handpicked from running my information in a system and I told him that he can not randomly pick a address and that the address does not belong to me. These people are listed on my credit report and my score decreased significantly due to the company not accurately having my information correct. They also refused to send me a bill after I requested them to send me the bill via email. I also spoke with the original creditor XXXX XXXX XXXX and they said I do not have anything in collections and that any previous balance I did have with them was discharged and paid off with my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
SELF FINANCIAL/XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXXXXXX. 
SELF XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX  XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up

Company response to consumer: Closed with explanation