vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal! 
I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date opened on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$280.00} FCO XXXX Original Creditor : XXXX XXXX XXXX XXXX - Date opened on XXXX XX/XX/XXXX & XXXX XX/XX/XXXX Amount- {$3800.00} XXXX ( Original Creditor : XXXX PARTNERS ) - Date open on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter. 
I am DEMANDING you to remove these collections accounts! 







for Improper use on my consumer report.

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 2022-09-22 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: IN

Complaint narrative:
I had an XXXX at XXXX XXXX XXXX on XX/XX/2022. I received an estimate before I went to the hospital and on day of services and paid that amount in full. Afterwards I received additional billing, and the hospital insisted that I owed it even though they were no additional services provided then what the doctor ordered. So I filed a complaint with the no surprises act on XX/XX/2022, and received the PPDR determination on XXXX XXXX. It said that I owed only what I had already paid and that the hospital needed to reimburse me for the {$25.00} application fee to lodge the complaint. XXXX XXXX XXXX continued to bill me, despite my calls, as well as me forwarding the official XXXX dispute determination email. Now they have turned me over to collections. I was told that this would not happen, but have received 2 bills from Medicredit, which total {$190.00} more than they were previously trying to charge me. I have supporting documentation to back all of this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have made several contacts with the southwest credit system as well as XXXX XXXX regarding this matter. This is not my account ; this account was addressed at an address that I did not live at. I joined the military in XXXX and was living overseas during the time frame of this account. Before I went to the XXXX, I lived in XXXX, XXXX. I didn't return to the state until XXXX. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. 
Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. 
US bank claims the payment was late and is charging interest and late fee. 
The payment was made electronically by my bank, so this is a record they got it on time. 
Please help me resolve this I feel I am being treated unfair. 
Warmest regards 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 monetary relief
Consumer complaint received 2022-09-22 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: JLB CORPORATION
State: MO

Complaint narrative:
I emailed Vice President XXXX XXXX at Goldenoak Lending for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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.
State: PA

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 has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 USC1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 r4easonable 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 2022-09-22 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: IL

Complaint narrative:
Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that Equifax let a foreign goverment steal my data. It would be nice if your agency could close this loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.

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 2022-09-22 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.
State: IN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below have 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 have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or 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 2022-09-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent out letters on XX/XX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me XXXX and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life 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 2022-09-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim and survivor of XXXX XXXX XXXX XXXX. 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for Experian compliance management and their employees that will handle disputes from XXXX XXXX 

XXXX mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.

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 2022-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hard inquiry on credit report from Bank of America on XX/XX/22 and email from Bank of America stating card application declined on XX/XX/22. Separate cards applied for not by me.

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 2022-09-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian continues to report inaccurate information about the account on my report named XXXX despite having investigated this account three times and supposedly updating it each time. Instead of actually updating the account with accurate information all they did was change the " balance updated '' date. Reporting inaccurate and unverifiable information is a violation of my rights under the Fair Credit Reporting act. I request that Experian DELETE the account WEBBANK/FHUT for inaccurate reporting because the date last active is incorrect and has been re-aged. Experian shows the date last active as XX/XX/XXXX and XXXX lists it as XX/XX/XXXX. These are both drastically different dates. If Experian actually verified the account with the furnisher XXXX times as they claim, then why are both bureaus reporting such different dates? 

On XX/XX/XXXX I requested that Experian investigate this account because it was inaccurate. They responded to me online and updated the account on XX/XX/XXXX yet no changes seem to have been made except the " balance updated '' date. On XX/XX/XXXX I requested a reinvestigation of the account to ensure accuracy. They responded to me online and updated the account on XX/XX/XXXX. Again, it seemed as though nothing had changed except the " balance updated '' date. On XX/XX/XXXX I requested that they delete the account as another bureau ( XXXX ) was no longer reporting it. They responded online XX/XX/XXXX and again updated the account and changed the " balance updated '' date. Then, finally, on XX/XX/XXXX I again challenged the account stating that the date of last activity was incorrect and requested a deletion. Experian responded on XX/XX/XXXX by updating the account yet again. Nothing was changed except the " balance updated '' date. 

Obviously Experian made no effort either time to actually verify the accuracy of this account and all the details my report contained and instead sent a computer generated response. This is unfair and this inaccurate reporting is harming my credit rating.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CCM Finance LLC
State: TX

Complaint narrative:
Hi, ima writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commissions identity theft affidavit. 
Please delete the items XXXX soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
On Thursday XX/XX/2022, I purchased a necklace from a company called XXXX. After a few days passed I received the necklace I ordered, however, on XX/XX/2022, I received an email from the Financial aid office at the college I am attending, and they announced that my funds had been posted to my bank account that is associated with them. 

I noticed fraudulent transactions posted to my account as well as some transactions that are not yet authorized. FIVE out of Eight transactions have been authorized and in total XXXX $ was retrieve from my BankMobile account without my consent. 
I am guessing someone took my XXXX 's information and used it to buy things online without my permission. The last merchant I purchased from using my debit card was XXXX, so I came to the conclusion that this website is being used for scams. 

These are the merchants that took money from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXl 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 2022-09-22 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY

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