vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: NY

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of XXXX XXXX. The dealer pulled my credit twice and on the same day XXXX XXXX pulled it. As a result my FICO score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These FICO scores are complete nonsense. I am XXXX  of an oncology therapeutics company, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different FICO algorithms, with XXXX XXXX consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge 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 explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2022, I placed an online order with XXXX XXXX and used Paypal to complete the payment for the order. 

I was sent emails that my order was shipped on XX/XX/2022. But when I did not receive the items. I called XXXX XXXX on XXXX and they said it was delivered he to a different address than I entered when I ordered. I asked why was the address changed by them. They had no answers to that, so I asked for a refund or to send a new order to the address I entered in the first place. The refused and said they do not replace or refund on orders they already delivered. 
The same day XX/XX/2022 I spoke to Paypal and they admitted to changing the address upon completion of my order. In still they refused to refund my money for my order. They suggested I file a inquiry request on their website so they may inquire with XXXX XXXX. I did submit the inquiry request asking that I receive a refund for my order, but it was denied on XX/XX/2022. 
Ultimately it is Paypal 's fault for changing my shipping address after I typed in the address I wanted it sent to. I asked them how were they able to change my shipping address after I confirmed the order. They said they have to use the address on my Paypal account. This is not true because I ordered from XXXX XXXX on XX/XX/2022 and used Paypal and it was shipped to the address I provided. I would like Paypal to refund the price of my transaction for my misdelivered items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away. 

Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: MI

Complaint narrative:
CRDT BUREAU is reporting a coolection on my credit report that is in violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Account # XXXX Date opened : XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XXXX a purchase of 4 money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got 4 new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact 1-800 number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the 1800 number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have asked this credit card company back in XX/XX/XXXX to investigate and to remove inaccurate information from my consumer reports. Account number ending in XXXX with a credit limit of {$500.00} bucks that shows up on my consumer reports. I sent them a second notice in XX/XX/XXXX to remove this Inaccurate fraud account that does not make any sence, but no answer 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to send a XXXX transfer to my realtor. She's assisting me in the sale of our home. My realtor helped arrange to have the exterior of my house painted for {$4000.00}. I am currently living out of state and I ran out of checks with Citibank and so my realtor agreed to write a check to pay for the service rendered by XXXX XXXX XXXX. I told her I would pay her back through XXXX. On XX/XX/XXXX, I attempted to pay her back through XXXX in the amount of {$2500.00} as that was the maximum out allowed by XXXX. I was going to pay the remaining {$1500.00} through XXXX the following day. Normally, XXXX payments are completed within an hour but the {$2500.00} payment has been frozen for 7 days. I have called Citibank multiple times about this transaction and one of the representatives said it should have been resolve no later than Monday XX/XX/XXXX. I called again Monday, Tuesday, and Wednesday and was informed that the XXXX payment was still frozen. Several representatives there stated it is because my transaction was being flagged for an OFAC related investigation. I asked if there's anything I can do to clear my name or that transaction or at least get an official letter from Citibank explaining what is going. They stated that there is nothing I can do nor are they able to provide a letter stating what is going on. I am a US citizen with a clean financial and legal record and my realtor is also a US citizen with a clean financial and legal record. I do not understand why it is taking Citibank so long to review this transaction and inconvenience both my realtor and I of completing a legitimate transfer of funds. I am happy to provide additional evidence to support my case.

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 2022-06-22 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: FL

Complaint narrative:
ACCOUNT ISN'T MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT. I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT. 
XXXX XXXX -Opened XXXX {$73.00}

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 non-monetary relief
Consumer complaint received 2022-06-22 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

The accounts include the following : XXXX is XXXX XXXX XXXXs XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXXXXXX XXXX  which is for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 2022-06-22 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: Credit Technologies, Inc.
State: SC

Complaint narrative:
I lost my wallet someone was trying to get credit cards in my name applying for all kinda stuff..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXXXXXX XXXX XXXX they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-06-22 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of JP Morgan. The dealer pulled my credit twice and on the same day JP Morgan pulled it. As a result my XXXX  score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These XXXX  scores are complete nonsense. I am XXXX of an XXXX XXXX XXXX, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different XXXX algorithms, with JP Morgan consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I have received multiple letters in the mail from Resurgent Capital starting back in XXXX of XXXX and most recently in XXXX of XXXX. Resurgent is trying to collect on a credit card debt from XXXX XXXX in the amount of {$2000.00}. 

The address associated with this credit card is an address in which I have never lived. While the name on the account is the same as mine, it is a very common name to my state. The debt has never shown on my credit report, and upon calling the credit card company to inquire about the debt, the representative did not have evidence of the account number under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: IN

Complaint narrative:
I have a hard inquires on my credit that i didnt allow on my credit. 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 explanation
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




TransUnion Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collections : 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, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2022-06-22 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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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