vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-23 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: GA

Complaint narrative:
I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all XXXX bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.

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 2023-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a mortgage with my XXXX XXXX XXXX XXXX on XX/XX/23. Afterwards I was getting blown up with emails, texts, phone calls, paper mail. It's been over 2 months and it is still going on. During underwriting, I was provided a copy of my 3 bureau credit report and asked to explain the inquiries. There are approximately 15 fraudulent inquiries on my XXXX, Equifax and XXXX reports. Obviously my information was obtained and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
Good day, I been trying to fix this collection thats affecting my credit for a while. I tried contacting the collectors company and they will not tell me where or what is the debt about. I also disputed it with XXXX but Im still waiting for answers. My identity was already stolen once when I was XXXX over XXXX, I tried to explain that to the company but the will not help me or lead me anywhere. Please if anyone can help me. Im about to get XXXX XXXX from the XXXX  and I need my credit to get fixed in other to buy a house for my family and I. If anyone can lead me anywhere please feel free to call me. XXXX  Thank you and please be blessed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE

Complaint narrative:
Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 5 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 6 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/XXXX   ). 
Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. 
Payments have not been received by the recipient. 
As far as I know, all payments are blocked. 
I ask you to help me set the details and the date of blocking payments. 
I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 


Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Without cause or explanation Chase Bank closed all personal deposit accounts, after 20 years as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: CA

Complaint narrative:
I've been planning to buy a house soon and when I looked at my credit report I noticed lots of fraudulent credit inquiries & inaccurate names on my credit report. I instantly disputed it and I haven't received any about this matter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: SC

Complaint narrative:
My XXXX  XXXX  went to collection. I paid in full. XXXX continues to report as charge off.

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 2023-04-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My XXXX  XXXX  went to collection. I paid in full. XXXX continues to report as charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been planning to buy a house soon and when I looked at my credit report I noticed lots of fraudulent credit inquiries & inaccurate names on my credit report. I instantly disputed it and I haven't received any about this matter from them.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Today XX/XX/XXXX  when I checked my email I got a message saying a bank account was opened in my name yesterday XX/XX/XXXX  and I did not make this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My Torrid card went to collection. I paid in full. Torrid continues to report as charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Constantly keep calling me, after hours different numbers. Telling me what I forcibly have to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a credit card from XXXX I never applied for. I shredded it. Today I recieved the credit card statement with XXXX balance but a XXXX credit limit. It is a XXXX. XXXX. I NEVER applied for this card.

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 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Not sure on dates but Portfolio Recovery continued to call daily several times a day not only me but my husband. They used tactics not appropriate plus inappropriate language. They also purchased accounts which were not original creditor threatening to take to court. They continued this process until they sold them to other companies. This should be illegal to continue to sell accounts for Pennies on the dollar over and over taking you to court when they do not even have original contract or etc. All these companies put them on your credit and try to start over from original date of contract. I think you should also put XXXX a lawsuit as well or any other debt company who is buying debt for Pennies on the dollar and beginning debt over from date they purchased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Disputed account information via credit bureau. Company did not provide validity of original contract with Portfolio Recovery. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
Someone hacked my cashapp account and withdrew {$260.00} and bought a bunch of bitcoin in increments. This happened on XX/XX/2023 at XXXX. All together it was XXXX. I have disputed it with cash app and also XXXX XXXX. Cash app keeps denying it and will not give my money back to me. I've been getting a run around since then. All I want is my money back. That's all the money I had for my XXXX XXXX XXXX daughter and I. I keep getting different answers. Nobody has helped me through cash app at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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 XXXX XXXX XXXX # XXXX XXXX, XXXX ) XXXX XXXX XXXX  # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # 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 - # XXXX 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian credit file is fill with incorrect name spelling, addres, social security numbers and phone numbers that does im not associate with. I send letter to the credit bureau and get no response.

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 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I can not remember dates. 
I was called and threatened with arrest warrants and was given 1 day to pay debt or I was going to jail. 
I did settle the debt with them and paid when I could but at an astronomical amount. 
The calls where non stop. 
I did tell them that I never received anything in writing and to just come and arrest me. 
Ill be waiting. 
Very stressful at a time when I had major life losses and felt worse by not being able to pay my debt. 
You would have thought I owed a loan shark with this tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MO

Complaint narrative:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
I turned in XXXX phone to the insurance, XXXX of them they couldn't find... So now there still trying to charge me for those phones. Which if that was the case as far as not getting credit to turn them in. I could've lied and did a claim they were stolen. And get new phone and no collection bill! So I feel this is wrong and I wasn't my account with the insurance fixed! 
I'm sending the pictures I took at the post office before I sent all XXXX phones back to the insurance! I wanted my account credit for my phone 's. I was with XXXX XXXX for XXXX XXXX and because of this I was forced to not have a phone or services for a month in a half. Because I couldn't pay this bill. I had to cancel with them and go to a different phone company. I am still upset over this and the fact I'm being billed and punished for phones that were returned and I paid the fees with insurance to get new ones, that we didn't receive. What the point of paying for insurance then? I thought it was to protect us from what I went thru at that time... We had no phones or services hoping it would get resolved and it never did so I had this huge bill and they wouldn't turn her phone on if we had a phone because of this so upsetting to me I was so proud and loved that company and the fact that I was with him for XXXX years meant something to me never did I ever in XXXX  years have a problem with the phone that I've made a claim on so I feel like this company is bogus somebody schemed at your office and took our phones it's not XXXX XXXX fault it's the insurance claim. Paid for monthly insurance then we paid the bill to turn the phones in return the phones in also and still get this huge bill and no phones and no service now it's ridiculous. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Put a judgment on me and attached my wages.

Company response to consumer: Closed with explanation