vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands 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, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!!

These accounts should not be furnished in my consumer report [ 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 have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXQUAFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: TX

Complaint narrative:
First of all apparently this is a medical debt from when I was one week into being XXXX meaning it is XXXX XXXX XXXX this coming XX/XX/XXXX and is owed to be removed, I have no knowledge of this account. 
They also have accrued an intense amount of interest which is illegal you can not add interest to a medical debt. 

Finally I have never received any itemized anything of what I even owe for so Im unaware of what it even is for. When I called last month XX/XX/XXXX at approximately XXXX I was told by XXXX XXXX that they had no idea what it was for and that it is a mistake and theyd remove it from my credit and its still on there. 

For resolve Id like this medical debt of whatever form deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$1500.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A 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 explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. XXXX DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX XXXX  CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS XXXX IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A 790-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, I received a letter from Citi Fraud Prevention that my Costco Citi card and Citibank checking accounts are being closed. 
The reason given was " Based on recent activity of your regular checking account, we found that you have violated the terms of your account per the client manual. '' No other explanation has been given to me. 
I have not been involved in any fraudulent activity. I have no idea what they are referring to and they refuse to disclose any info. I called the Fraud Dept and they did not disclose any 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 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A 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 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX XXXX Amount Owed : {$1000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A 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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
1. FCRA The ACT Title VI violation ; 2. Validation of Debts 15 U. S. Code 1692g & 3. 15 U. S. Code 1681c-2 Fraudulent Reporting to the Bureaus On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report fraud On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report due to fraud Reporting to the CFPB On XX/XX/XXXXXXXX  I made a report to CFPB On XX/XX/XXXXXXXX  I made a report to CFPB regarding credit reporting fraudulent activity Credit Report Removals I was able to get XXXX, XXXX XXXXXXXX and XXXX XXXX  removed from my credit reports. The following companies have yet to be removed and one still reporting negatively against my report. 
Current Violations Credit Report # XXXX XXXX ( reflected across all 3 Bureaus ) 1. FCO Fair Collections and Outsourcing XXXX XXXXXXXX client ). 
Settled XX/XX/XXXX. 
Continuous reporting to the bureaus until XX/XX/XXXX Original removal date was XX/XX/XXXXXXXX  Removal date changed to XX/XX/XXXXXXXX  Original reported to credit bureaus XX/XX/XXXX. I still lived in the apartment. I left XX/XX/XXXX. 
FCO is a vendor of XXXXXXXX. XXXX is my XXXX XXXXXXXX and he hates me. This is malicious reporting by his friends and ex colleagues.

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 2023-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning CAPTIAL ONE, N.A. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
To whom it may concern, I recently pulled my credit report and noticed the following account ( XXXX ) reporting in error from an unreliable source that is harming my credit and good character. Please investigate and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Investigate and delete this medical account because it inaccurately provides information sufficient to infer, the specific provider of the XXXX XXXX I received ( which is the medical providers name ).

15 U.S. Code 1681b - Permissible purposes of consumer reports ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer.

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 2023-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act CREDIT BUREAU ACCOUNT NAME & # has violated my rights on DATE ACCOUNT OPENED for BALANCE OWED. 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 instruction so therefore I need these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This XXXX has been placed on my credit report I requested the collection agency portfolio recovery to validate the debt The only thing I received was two letters with the same id numbers on the bottom left corner Also the collection agency is not licensed I. The state of New York

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America XXXX XXXX Banking Account # XXXX XXXX XXXX opened on XX/XX/2023 without my knowledge.

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 2023-06-25 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: MS

Complaint narrative:
Experian XXXX and XXXX to cease using my 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 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$1500.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A 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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have requested documentation of the nature of violation of agreement that has been violated. As a consumer I have the right to review the action taken to close my account and withhold my funds. I would believe that the first step in stating a consumer has violated an agreement would be to notify the consumer as to the violation that has been committed so that the legitimacy that ( I ) XXXX XXXX ( card holder ) was not a victim of identity theft. This measure would give the card holder the opportunity to review actions placed against them are accurate. 


BELOW IS A COPY OF THE EMAIL FROM THE COMPANY : Venmo regarding request # XXXX Hello XXXX, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Regards, XXXX XXXX. | Account Specialist | Venmo Venmo is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX licenses. 

XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MD

Complaint narrative:
I need your help.i feel l that I am being singled out and possibly being discriminated against by last name XXXX by someone at the Experian credit reporting agency. They saying the my balances are XXXX percent upon my indigo credit card usedge. At which I feel is not true.i have it up upon my wall with the other credit cards account. I call in every month upon my phone every month and I have never A payment. So no someone knowing an envestegation is going on if cross examine my Experian credit report you can see this, the most recent three or for things that - something about a credit ability journey. You already have a complaint from me regarding the small loan that I tried to get from XXXX XXXX XXXX XXXX XXXXXXXX Regarding my finances minivan I don't miss any payments and the van was stolen and then the auto insurance company paid XXXX XXXX XXXX XXXX {$2500.00} dollars. Now the balance is down to {$3800.00}. then, the auto finance company has not reported this new balance. The the XXXX XXXX has another benefit called XXXXXXXX XXXX supposed pay off the remaining {$3800.00} dollars. They will let me know on the XXXX of XXXX. I hope that XXXX XXXX also reports this pay off or what ever they pay. Bless you and I thank you so much and I hope that you can look into Experian and call XXXX XXXX to find out about the reporting of this and also the XXXX XXXX amount of pay off. Please help.

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