vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act By Law Everything has to be 100 % accurate on my credit report 15 USC 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX TransUnion stated my accounts was properly investigated but how is that possible if the report date is inaccurate, the date last active is inaccurate date open is inaccurate ( see attachments ). This ground for removal. They also violated my rights under : 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an 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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XX/XX/2022 I received a text message from XXXX ( XXXX ) XXXX that said a charge on my BECU card, made in Alaska, needed to be authorized. It included a link for responding. Which, unfortunately, I clicked on. It asked me to log into online banking. 

I ended up giving my birthdate, ss #, phone. Then the site said I'd need to call customer service to complete the transaction successfully so I called and spoke to a person named XXXX who asked for my address and mothers maiden name. When I went to the branch they said the phone call was probably also a scammer. They said I should take my phone in to the service provider or manufacturer because the link probably put malware on my phone! 

Since this morning I've been trying to address all the places this could hurt me. My other credit card, my other banking situations, etc. A a screenshot of the text is included below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello, I have XXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus. 

I found XXXX different XXXX XXXX accounts with the same account numbers. 

Different account balances across the XXXX credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.

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 2022-08-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different American Express accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and XXXX XXXX credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened a US Bank checking account XX/XX/22. And when it was approved, I received notification of application for the US Bank XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another US Bank credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for US Bank to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the US Bank at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to US bank to remove it, but it was denied.

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 2022-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I entered entered into an Installment Loan and Promissory Note ( Promissory Note ) with Speedy Cash, which provided that Defendant would loan {$2900.00} to me at an Annual Percentage Rate ( XXXX ) of 135.67 % ( Subject Loan ) XXXX. 

This was not known by me until months later! Speedy cash knowingly and intentionally issuing loans at interest rates that are unconscionable, and objectively unreasonable, in other words Speedy Cash has routinely engaged in unlawful business practices It was too late when I learned Speedy Cash violate Cal.

Fin. C. 22303, as they violate Cal. Civ. Code 1670.5. See De La Torre v.

Cashcall Inc., No. S241434, 2018 Cal. LEXIS 5749, at *43 ( Aug. 13, 2018 ). 22303 and/or Cal. C. 1670.5, Speedy Cash violated Californias Unfair Competition Law, Bus. & Prof. Code 17200, et seq., which provides a cause of action for an unlawful business act or practice perpetrated on consumers. 

I suffered actual monetary financial injury not just by falling for their crazy loan terms ( they were advertising EVERYWHERE so I thought they were legit. But also after I could no longer pay the crazy amounts and my debt was sold off. 

XXXX XXXX XXXX because new harassers. 

But I received an email offering me a one time ever settlement offer : if I paid {$220.00} it would settle my debt. 

I borrowed money and my sister paid it so I wouldnt be harassed. 

The letters have never stopped! And the negative marks wont be deleted by XXXX, XXXX and XXXX! 

Ive been sending letters since XX/XX/XXXX and I have just been ignored for over 24 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}

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 2022-08-08 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: TX

Complaint narrative:
This consumer complaint is in regards to willful noncompliance with Experian 's Data Sharing Policy and Federal Regulations. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to a dispute which was being made for the accounts XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX. After filing this complaint, the consumer received correspondence from Experian showing that the accounts remained, and were accurate. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to the consumer not being satisfied with the results of the investigation, the consumer then requested proof of the investigation which took place proving this account to be accurate. The consumer then received a notice from Experian on XX/XX/XXXX stating that Experian would need a little more time to respond. As of today, XX/XX/XXXX XXXX days after submission of the complaint, the consumer has not received correspondence from Experian in regards to the complaint number, XXXX. On today, XX/XX/XXXX, the consumer then made a phone call to XXXX, an agent of Experian in the Dispute department with badge number XXXX, who was not able to address the consumers concerns and used false and misleading information by addressing Experian as a " Credit Bureau. '' The consumer then addressed Experian 's Data Sharing Policy and requested proof of the consent which Experian requires to share personal information, Experian was unable to provide it. The Agent of Experian, XXXX, then transferred the consumer to XXXX, an Agent of Experian in Membership in regards to the proof of consent, furthermore no consent was provided, or able to be located in the file for the the consumer. Should the consumer 's issues go unaddressed, the consumer will seek litigation.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXXXXXX XXXX  is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX  XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Agent, I have been a credit card customer with Chase for many years. I went on vacation to the XXXX on XX/XX/2022 and used my Chase card less 5 times for lodging during my trip. 

When I returned home on XX/XX/2022 there were 7 letters waiting for me. The letters told me Chase was closing my accounts ; Including my credit cards, my checking, my savings, my XXXX Savings Account etc On XX/XX/XXXX JPMorgan/Chase notified me they were going to liquidate my investments and I should transfer my account by XX/XX/XXXX. 

After reading the letters I went into the XXXX XXXX, California branch to lodge a complaint. The acting manager told me there is nothing that could be done as this was a management decision. He had no further information or was unwilling to disclose any reason for the action the bank was taking. The letters indicate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I opened a XXXX XXXX checking account XX/XX/22. And when it was approved, I received notification of application for the XXXX XXXX  XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another XXXX XXXX credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for XXXXXXXX XXXX  to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the XXXXXXXX XXXX at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to XXXX XXXX  to remove it, but it was denied.

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 2022-08-08 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: MA

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

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 2022-08-08 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: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: iQuantified Management Services, LLC
State: NY

Complaint narrative:
I received a text message XX/XX/XXXX from Quantified Management Services stating they were trying to reach me to collect a debt and that I could pay online or call. I figured it was a scam since I don't have any outstanding debt. 

I got a second text XX/XX/XXXX stating the same thing. I went online and entered the text 's reference # XXXX and was prompted to enter the last 4 digits of my social security #. I was not comfortable doing that so I called the number in the text. I spoke to someone named XXXX, gave the reference # in the text and asked for the name of the provider, date of service and the amount. XXXX told me she couldn't give me that information because of HIPAA laws unless I identified myself. I said the reference # should be enough since they sent it to me, that I was not comfortable giving the last 4 digits of my social security # to her or online, and that I believed this to be either a scam or a mistake. I told her to send whatever she had in writing. She said that was already done once on XX/XX/XXXX and that they weren't required to send it again. She did reveal the address the bill was sent to. I asked the person still living at that address if anything came in the mail for me. I was told no and that no mail had come there for me in years. 

Based on the address XXXX mentioned ( where I no longer live ) I believe I am able to piece together what this is about. In XXXX XXXX XXXX XXXX XXXX XXXX ILLEGALLY sent me a bill I DO NOT OWE for services totaling {$4400.00}. I then contacted my insurance provider, XXXX XXXX, and sent them a copy of this ILLEGAL document. 

The XXXX XXXX person I spoke to explained to me that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was paid what they were contracted to be paid by XXXX XXXX and that XXXX XXXX was in fact ILLEGALLY sending me a bill for the balance. 

XXXX XXXX sent XXXX XXXX a letter on XX/XX/XXXX stating that they ( XXXX XXXX ), PER NEW YORK STATE REGULATIONS WERE PROHIBITED FROM REQUESTING COMPENSATION OTHER THAN ALLOWABLE CO-PAYMENTS FROM FIDELIS CARE MEMBERS. ( MY CO-PAY AT THAT TIME WAS {$0.00}. ) I have attached a copy of the original ILLEGAL bill I received from XXXX XXXX and the letter from XXXX XXXX. 

This letter also included a XXXX Update which states that a XXXX RECIPIENT " MUST NOT BE REFERRED TO A COLLECTION AGENCY FOR COLLECTION OF UNPAID MEDICAL BILLS OR OTHERWISE BILLED, EXCEPT FOR APPLICABLE XXXX CO-PAYMENTS, WHEN THE PROVIDER HAS ACCEPTED THE RECIPIENT AS A XXXX PATIENT. '' XXXX XXXX obviously knew I was a XXXX patient because they had my health insurance information. 

I trust that this will resolve this matter and that Quantified Management Services will cease and desist requesting payment from me, will not report me to any credit bureau and will not resell this ILLEGAL bill to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I took out a loan in 2018 with First Midwest Bank They transferred my loan to Old National bank I can not get any call backs or appointments The phone hold is over 60 minutes No One is answering and helping me with my concerns This is ridiculous I have been trying for a month NO HELP I need to have someone from Old National bank call me or e mail me or give me a number I do not have to hold for 60 minutes

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I have a collection item from my previous apartment that was reported in XX/XX/XXXX. When the collection agency contacted me in XXXX of XXXX, I told them I would pay on XX/XX/XXXX. I sent a check at that time and the funds were removed from my account. 

I noticed that in XXXX of XXXX my credit report still reflected an owed balance. When I called the collection agency they told me that I needed to contact the office that I owed money and then fax them information. 

During the call, however, the representative was extremely rude, talking over me, and using legal jargon such as " on a recorded line, you are saying you are refusing to send proof of payment ''. And that if I refuse, she will be forced to terminate the call. She did not allow me to speak. 

I contacted the office I owe money to, and they called the credit agency and notated the account that we did pay in full. And that they would be mailing the check. This is on XX/XX/XXXX, nearly two months after I paid. 

My complaint is about the collection agency 's unwillingness and berating behavior and refusal to actually collect a debt that I have paid to the original debtor. And the inhuman way of berating me on a phone call by talking over me and not listening to what the situation is. 

The original debtor also never made any action on our check. They did not proactively call the collection agency or deposit the check. They placed it in a safe with a note " do not deposit '' for nearly two months.

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