vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2022-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  Account XXXX I believe it was reporting in error.

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 2022-06-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Silverman Theologou, LLP
State: NC

Complaint narrative:
On XX/XX/2022 Silverman and Theo LLP contacted me through phone and left a message. Not once but TWICE. THIS IS HARRASSMENT. I never gave them my permission or consent to contact me. 

Pursuant to 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Evidence and Proof shows I was contacted on XX/XX/2022 XXXX and a voicemail was left. I was then called and another voicemail was left XX/XX/2022 XXXX. THIS IS HARRASSMENT. THIS IS ALSO A VIOLATION of my Federal CONSUMER rights. 


Pursuant to 15 USC 1692 d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Who did Silverman and Theo get my private banking information from? Because According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

Silverman and Theo LLP has also violated my Consumer rights through the form of a letter. EVIDENCE AND PROOF SHOWS They have a included their business logo on the envelope of their letter. THIS IS A VIOLATION. 

Pursuant 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

This has caused me great XXXX   and XXXX and has increased my visits to the doctor as I am a XXXX XXXX  with XXXX. 

Also, in this letter they say that I owe a debt. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

These are clear violations of my federally protected consumer rights. 

They also failed to date the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX, Please block and remove this account from my credit report on my credit report which are UNKNOWN to me. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account, so please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
this company was notified by certified mail proof below they received and signed for the debt valadation i sent 0n 5/30/22 its now 6/7/2022  and did not  respond within 5 days according to the law that is a violation of 15 usc 1692g (b)Failure to send the consumer a 30-day validation notice within five days of the initial communication Collector must cease collection efforts until debt is validated also received a misleading letter in the mail in bold writing saying this is an offer to resolve financial situation no where on the letter does it saythe mini maranda that is also a violation of 1 5 usc 1692e (11)  company also violated  HIPPA  i did not give anyone consent to furnish negative information on my consumer report this is very stressful and causing me to pay higher interest rates and hurting my chances of getting housing  i want this removed and blocked from experian transunion and equifax.       ALSO THIS COMPANY LICENSE IS NOT REGISTERED IN CALIFORNIA WHICH MEANS YOUR NOT ALLOWED TO operate or COLLECT IN MY STATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # 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

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 2022-06-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a credit card called BoA Cash Rewards from Bank of America ( BOA ) in XX/XX/XXXX, I has been charged for annual fees of XXXX $ per year from XXXX to XXXX ( total XXXX years, total XXXX $ ). 

However, until recently Im informed by the banker that this type of credit card by BOA is free of annual fee. I contact with BOA, the custom service of BOA admits its not right to collect the annual fee, however, they are only willing to waive the annual fee in future ( XXXX ) without returning the previous annual fee. 

References 1 Web site of BoA Cash Rewards now called Bank of America Customized Cash Rewards Credit Card Annual Fee {$0.00} https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/? campaign=4051253~FR~en_US 2 Terms of this credit cardAnnual Fee None https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? campaignid=4051253 & productoffercode=FR & locale=en_US

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Today XX/XX/22 I received a credit card from Capital One. I did not request, apply or order this card or account. 

Capital One can not give me any information about the application, including its nature, form/channel, date, information provided ( including if the applicant used my SSN ). 

I am concerned about identity theft. Despite my requests for more information and further assistance, Capital One refused both requests, saying only that they will 1 ) reject the application and close the account, and 2 ) " investigate and get back to me at some future date. '' I have reviewed my credit reports from the big-3 agencies and found NO hard inquiries from Capital One ( nor anyone because I have not applied for new credit and I froze my credit accounts XXXX months ago to protect against this scenario. 

My questions : 1. Should Capital One open an account in my name without checking my credit AND WITHOUT NOTIFYING ME that they had received an application? 
2. Should Capital One be allowed to refuse to give me any information about this apparent fraud, including information that I could use to protect myself? 

Whether Capital One should treat a XXXX customer this way is another matter beyond your purview.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, EQUIFAX. I have listed the items I dispute on the This item hard inquires from CONSUMER XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX XXXX, Please block and remove this account from my credit report on my credit report which are UNKNOWN to me. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account, so please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased an online course called the XXXX XXXX XXXX XXXX for {$390.00} first payment and 2 more additional {$390.00} payments the following months. 

I wasn't able to start the course as soon as I purchased it as they force you to have a phone call first and this call couldn't be booked for several days as they had too many customers. I tried without the call but it didn't work as you could not go through the course no matter what you tried to do, I was blocked to proceed. 

I was finally able to talk to them like days later but was unpleasantly surprised to be told that if I really wanted this course to work properly I needed to hire them. Basically they upsell you AUTOMATION which costs anywhere from {$3000.00} to {$12000.00}. Not at all what this was supposed to be all about. 

In their sale pitch they make it sound as if it is so easy to do on your own with me putting in the due time obviously, which I was all in to do as there is not such a thing as easy money. 

The tone went from I will teach you how to do this to " I am not a pro at this but I will try my best to teach you ''. The information sold here is basically the same I can get from watching any XXXX video on how to create a channel. 

I asked to have a refund on the first payment I made immediately but was denied by XXXX without any valid reason and closed the case without giving me any other chance to dispute it. Their decision was extremely quick as they made it sound as they had given it real thought, not listening to a customer that felt scammed about a purchase. 

I have stopped all recurring payments and not planning on using XXXX XXXX system at all as it is a waste of time and 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 monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion suddenly decided to temporarily suspend my access to my credit profile, with no explanation other than they were unable to verify my information. After going through their unlock process numerous times, I discovered that inexplicably my profile information was reverted back to a previous state! This is most untimely since Im looking to purchase a car! TransUnion has been mostly unresponsive and their supposed system for resolving these issues- created by TransUnion- are riddled with long wait times and circular processes i.e. you go round and round in their system trying to resolve this. Theres got to be a better way than these three bureaus that have proven to be consumer unfriendly and have propagated misinformation and/or erroneous data at the expense of consumers. Lets fix this already!

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 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I have disputes this debt numerous times with XXXX credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and before I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have three addresses listed and I've sent numerous notarized letters to all three addresses to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that mess up my perfect credit I have been keeping up with over the years with credit cards and loans with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I have put everything on hold to get this resolves but no action is taking place on this company part to remove this. They need to remove this ASAP. Thank you They also provide two account number, one is XXXX and the other is XXXX, The addresses that I sent to is Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX So yes I'm pretty sure they receive the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TN

Complaint narrative:
The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation