vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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: PA

Complaint narrative:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company XXXX XXXX XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank harasses me for another person 's bill, harasses me in person and slanders me for not paying when the charges are in dispute someone elses account on my credit report slandered and harassed over dispute

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: OK

Complaint narrative:
I applied for a job at XXXX '. On Monday XX/XX/XXXX, I was interviewed and hired on the spot. On Tuesday XX/XX/XXXX, I was emailed a request by third party First Advantage, to provide answers to questions pertaining to a consumer/criminal background check, through a link they provided. It started off asking criteria for addresses for the past 8 years. Since I lived at my current address for over 8 years, I used only one address, my current address. Usually, when companies asked for addresses, they ask for 10 years, and do a criminal background check going back 10 years. 

First Issue, fraud, deception and Not Full Disclosure : First Advantage included incorrect information on my file, going back 24 years. The criminal background check for XXXX, through First Advantage, included an 8 year criminal check. Then they ask for misdemeanor, felony convictions. I had a misdemeanor 24 years ago, which I disclosed, and First Advantage agreed that the background check would include 8 years worth of search, but deceived me. They should have asked for 24 years of information, addresses and searches, if they wanted it. 
Additional failure to disclosure/No space to type response Second : They did not give me sufficient time, and typed space to provide more information about the background information they inquired about. In fact, only one sentence, 75 characters could be typed. I was supposed to be given 7 days to get the information to First Advantage, but after a day, I received a declined offer from the employer. If I needed just 1 day to get the information back in, then it should have been provided and disclosed properly. 

I was required to get a police report for an allege offense in XXXX, which is unreasonable. To get any offense report, you need the date, time and address. Supposedly it happened in XXXX, when I was arrested getting my license renewed at the XXXX. That date would be a good guess, because I was not involved. It is a mistake of false witness identification and that was the difficulty obtaining it. Still, First Advantage gave me 7 days to try, but did not communicate this with their client, XXXX 's, who rescinded the officer before the 7 days had expired. 

First Advantage is a fraud, and deceptive company who set criteria of 8 years for criminal searches, but goes further in the past than that. In my case, they went back 24 years, which was not disclosed on the criminal background questionnaire sheet. My understanding that for background checks purposes, information older than 10 years can not be disclosed to the hiring company, per federal law. 

This is fraud, deceptive business practices, and a clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blueprint Holding Co., Inc
State: CA

Complaint narrative:
I put my house up for sale, and quickly there was only one company dedicated to buying houses. 
The deal was {$90000.00}, which specified that the bank was owed about {$50000.00} or a little more. 
The point was that I asked them for {$40000.00} dollars for me regardless of whether something was owed more or less the case was that the buyer promised to take care of. Everything you want {$40000.00} don't worry about anything we take care of everything. 
Being, so I accept what was agreed, so I went to these people via e-mail and then by cell phone, agreeing again on what I demanded to close the deal, it arrived on the XXXX XXXX and the notary appeared at my house to sign the papers I read figures again that had nothing to do with what was agreed, I went back to communicate with the saleswoman who spoke the first time and she remembered the deal and told me that she was going to speak with her superiors to sign that we would fix it later sign the agreed day trusting this people from XXXX XXXX realtor but the money was not there at the time of closing, after asking where my money is and confirming that I need it, they said that I had to sign another agreement in order to add another amount, and it made sense to me they told me on monday and nothing they told me on wednesday and nothing then they said friday and nothing At this point no one knew anything and no one answered my e-mails or phone calls and in each message I repeated that I needed my money the last week they had me signing the same paper about 5 times how firm was the new arrangement so they tried to control me making me believe that everything is ready I don't think the treatment of either of the two XXXX companies is fair. They have made me stressed, they have made me feel miserable and I had to lie to the people with whom I have promised to pay on time for the XXXX of this month in a few days, let 's say. I have to move and I don't have the money to pay the new contract to the company that is going to rent me. I am going to be left on the street thanks to these people who, after the last day I signed, have not been able to tell me when they are going to pay me. 
In these moments in which, because of these people, a certain part of a repressed XXXX is activated, I want to take them to court and through the law that they take charge of all the financial problems that are produced by this negligence carried out by these two companies because of the disagreement that I am not even going to get the {$40000.00} that I planned to receive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: NY

Complaint narrative:
I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match XXXX XXXX and XXXX XXXX Opened-information does not match XXXX XXXX and XXXX XXXX Limit-information does not match XXXX XXXX and XXXX Last Reported-information does not match XXXX XXXX and XXXX Comments-information does not match XXXX XXXX and XXXX Date Last Active- information does not match XXXX XXXX and XXXX Date of last payment - information does not match XXXX XXXX and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.

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 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank harasses me sends people to spy on me violates confidentiality agreement gives out confidential info behind my back and slanders me with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX of 2022 I sent a letter to a equifax a verification of debt letter stating that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required to verify any and all accounts with the original signed contract for any account they report on a credit report. On XX/XX/XXXX they sent me a letter saying the debt was verified and reported correctly but they never sent proof of any verifiable documentation which is a violation of federal law and under the FCRA any unverifiable accounts must be deleted. On XX/XX/2022 I sent another letter stating that is was my second written request demanding the accounts be verified or removed because they are not providing any original documentation according to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). According to Section 611 ( 5 ) ( A ) they are required to promptly delete any unverifiable accounts, and They sent me a letter on XX/XX/XXXX, of 2022 with the same letter stating that the item was verified but still didn't have any original documentation from the debt collector stating I owe them. I contacted the debt collector directly and they sent me a letter with no consumer contract with my signature on it. I called equifax today spoke with a supervisor named XXXX and ID number XXXX and I sent out a third letter asking how the letter was verified and I waited for 1 hour and 30 mins on the phone for them to say they would relaunch an investigation because the account states it is verified in their system. I warned them I would file a complaint with the CFPB and I will be pursing litigation to enforce my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover incorrect reports my name on my acct to the credit reporting company employee of discover harasses me with confidential info and slanders me defames me, acct paid off tells people i dont pay my bills when i do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Here recently XX/XX/2022 I pulled my credit report from transunion.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my Transunion report had been recently checked by a lender I reached out to Transunion on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Transunion! The inquires on Transunion that were unauthorized are listed below : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent letters certified mail to Transunion on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.

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 2022-09-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained 36 times to XXXX. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX and Equifax more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now and can't get approved for nothing cause of the damages of character of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have written an email requesting my lawsuit award from Wells Fargo and the email site that was provided by the Wells Wargo  site does not answer. This was not followed up. Wells Fargo is accountable and is holding my settlement.

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 2022-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT. XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 16668 : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,, In accordance with the Fair Credit Reporting act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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 XXXX XXXX XXXX  Account # XXXX, and, Account # XXXX 
XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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 2022-09-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and, Account # XXXX 
XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Beginning in XXXX, I reported a fraudulent charge on my account. It took 2 weeks just to get ahold of someone at Avant during that time because of widespread fraud. Finally, when I got ahold of someone with their company, they said they will need to investigate the problem first before they send a replacement. Fast forward, it's then about XX/XX/XXXX I call again and asked to speak to someone about looking into the fraud so they can send a new card. I call again at a later date, they said they had sent a card already and confirmed my forwarding address correctly and that I should have gotten a new card by now... They send another card by XX/XX/XXXX, no tracking information. They say it should take 10-15 business days. It is now XX/XX/04 I still do not have a replacement card. They refused to overnight it to me, fraud department already claimed they have an old address but customer service confirmed they have my forwarding address. She offers to send another card which will take another 10-15 days. I said if I can not get tracking information do not send another card and decided to ultimately close the account for how unreliable and absurd their company is following widespread fraud after 2 months of still not having a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no 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 non-monetary relief