vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: FL

Complaint narrative:
dear agency I was robbed I already made a report here to let you know that the thief used my documents to commit crime and fraud in these last months I'm suffering a lot with so many calls I'm getting from companies and unknown numbers about these collections are asking me to pay money I am also under threats for this reason I moved house I went to live in another city I am very scared they are cursing me and they are threatening please delete these fraudulent collections on my credit God bless you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n.

There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers.

The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.

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 2022-04-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit companies, XXXX and Experian are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXXXXXX XXXX XXXX this from 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 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections

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 2022-04-27 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: CA

Complaint narrative:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and Transunion but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. Transunion reported twice the inquiry.

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 2022-04-27 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: CA

Complaint narrative:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called Experian and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Action Collection Service
State: ID

Complaint narrative:
I have tried to communicate with the collection agency and negotiate a payment or a payment arrangement. I was told by the rep at the collection agency they can not help or talk to me. They stated it was with an attorney and they would need to take care of it. I reached out to the attorney and was called by a secretary who then called back to the agency to submit my offer. They refuse to take any arrangements. They have also contacted me several time before XXXX am multiple times in a row calling back to back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
XX/XX/2022 XXXX XX/XX/2022 XXXX All from XXXX XX/XX/2022 XXXX Cashier check All taken from my account without my knowing, USAA will not solve my problem and not refund my money. Please help. I can send bank statements if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name 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 2022-04-27 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX 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 2022-04-27 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXXXXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Making payment via XXXX and found out it was a scam but both XXXX and Chase bank don't want to help reversing payments and tried to push responsibility to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
XXXX and Equifax are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by XXXX and Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Birthdate and addresses or incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Honda Financial Services has continued to call me everyday mon - fri even after making 3 payments over a 79 day period.My account is only 27 days past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX is unfit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX is unfit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
I listed the items below that violated my consumer rights ; under the Fair Credit Reporting Act, I have the right to dispute all the incomplete and inaccurate information in my credit account. 
It has no account name and only reports to Equifax. XXXX, XXXX, XXXX, XXXX, ( Original Creditor : ) XXXX, XXXX. 
According to Fair Credit Reporting Act 15 U.S.C 1681i, Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Section 623 ( a ) ( 2 ) : Duty of furnishers to correct and update information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXXXXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-04-27 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # 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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
They want to get {$5000.00} to me that they i owed from netcredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have never been contacted by, nor have I ever contacted I.C. System, Inc. or XXXX XXXX. I have never held an account with I.C. System, Inc. nor have I ever held an account with XXXX XXXX. On XX/XX/2022, I was notified by XXXX of a new collections account that was flagged by I.C. System, Inc on XX/XX/2022. I have no knowledge of this account. There has been no attempt made to contact me regarding this account.

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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX four transactions were made with my cash app card information in XXXX XXXX NY at XXXX the transactions were charged by XXXX. First transaction was made for XXXX, second transaction was for XXXX, third transaction was made for XXXX, and fourth transaction was made for XXXX. 

I immediately messaged the Cash App customer service team who declined to cancel the pending transactions and asked for me to contact the merchant. I contacted the XXXX in XXXX, NY which advised scammers are using cash app card info for fraud. The merchant XXXX advised to contact Cash App directly to cancel pending charges. Cash App customer service advised to allow transactions to settle and dispute them. As requested, once settled on XX/XX/2022. I submitted disputes for the 4 transactions and other attempted transactions that were declined due to me disabling the card via the cash app application. Cash app advised they would tend to the disputes between 7 - 10 business days. On XX/XX/2022 I was contacted by cash app via email addressing the disputes for the attempted transactions and failed to address the disputed transactions with the actual charges. I responded and advised of the 4 transactions and disputes I submitted that settled. No response from cash app. On XX/XX/2022 a cash app representative addressed the dispute submitted and responded with At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. I responded with the dispute IDs given to me for the unauthorized transactions made with my card information and explained the situation. I received no response from the cash app rep. Today marks the 13th business day since the disputes and no action or update has been provided regarding the disputes submitted in the amount of XXXX $ +. When messaging the cash app team through the application I am advised of no updates. This is beyond frustrating as there is no solid communication with this company and transactions were not cancelled as requested to avoid the fraudulent charges made by someone in a different state which I have never traveled to. Today I have reached out to the cash app team and received the response that my dispute has been addressed. I received no communication in regards to the disputes submitted for the aforementioned. Reference numbers which were dismissed and not addressed are as follows : [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] Please help get me the money which was stolen from me.

Company response to consumer: Closed with explanation