vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: AL

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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., 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 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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX of 2022 Venmo Credit Card The credit card advertise that they give XXXX XXXX back on the highest used category and XXXX XXXX back on the second highest used category. 
I have multiple charges at different doctors offices, and utility company. The credit card refuses to categorize the merchants as health and utility categories respectfully, and gives back only 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 2022-12-07 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 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: FL

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 XXXXXXXX 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 XXXX 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 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 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cottonwood Financial Ltd.
State: UT

Complaint narrative:
started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I owed a debt to XXXX XXXX. On XX/XX/XXXX of this year I received a letter stating that I paid them through Radius Global Solutions the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to XXXX XXXX services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, green post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to XXXX XXXX services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, green post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I made Several attempts to XXXX, Transunion, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX  XXXX with i didn't. and XXXX  XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I made Several attempts to XXXX, XXXX, Equifax remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXXXXXX with i didn't. and XXXX XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I began questioning this organization in XXXXXXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
XX/XX/XXXX I put my rent check in the mail, it was stolen out of the mailbox and washed. The Individual cashed the check on XX/XX/XXXX, but yet the check was post dated to XX/XX/XXXX and very easily noticeable that the check had been fraudulently messed with, but the bank still allowed it to go through. I contacted the bank on XXXX right away as soon as I figured it out that the check was cashed not the original party, I stopped payment and that the check was fraud. The bank keeps giving me the run around and I believe looking for ways not to give me my money back. 

The bank is wells Fargo amount {$1200.00}

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 monetary relief
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: DISCOVER BANK
State: NJ

Complaint narrative:
Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and Discover on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( Discover : XXXX, XXXX ; XXXX XXXX  : XXXX ; XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity may have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX has reportedly closed my account back in XX/XX/2022. They are still reporting missed payments on my account after they have closed my account. They also closed the account and increased the APR. They have caused damage to myself and my report by continuing to report alleged late payment after the account is closed. This seems to go against federal law. I have also sent in a remittance coupon that was attached to the statement that they did not accept but kept the coupon. They continue to send after I told them to cease and desist ALL contact. Everything was filled out on the remiitance coupon including my autograph on the back according to black law dictionary the coupon is legal tender. If its not accepted it should have been returned to me.I have asked multiple time for an audit of my alleged file but have never recieved this I would like to see the incoming and outgoing currency on this, no I am not speaking of a statement.

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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have recently sent Prestige a rescission letter, letting them know different violations that I found within my alleged contract and that I am rescinding the contract. According to the federal law with any contract either party has the right to rescind at any moment. They received their letter by certified mail on XXXX XXXX stating that they had 20 days to respond. I have not received any response as of todays date. I take it that my notice has been accepted upon receiving the notice and upon the postal rule. I was never given that option to rescind nor did I ever sign off on anything waiving this right. Federal law states I have this right, I also noted in my letter upon reading the federal law it states the finance charge is the sum of ALL charges including interest and any premiums. My alleged contract that I have does not seem to show this. I was never offered any insurance through them my alleged contract shows all 'N/A 's as if this does not apply to me. If its an option on the contract I should have been given that option. I do not recall having that option nor signing a waiver saying that I decline it. If so please provide me with the copy with my wet ink signature. If not why was I discriminated against. I have asked multiple times for the audit of my file which I am entitled to, I still have not been allowed an audit of the file they have with my name on it. Federal law states I have the right to my file if I ask. I am wanting to see all incoming and outgoing currency with in the file. Before sending the rescission they also received my letter revoking POA and ALL signatures. Both XXXX and the dealership along with their registered agents received the letter. I also filed the IRS 56 Notice of fiduciary over this matter stating that the dealership is no longer the fiduciary but it is now ME the living natural human. XXXX violating many federal policies, rules and codes. I will continue to follow through with the parties involved also putting additional authorities on notice of this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: VA

Complaint narrative:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio recovery calls me every day least three times a day from different numbers I do owe them about {$2000.00}! I am currently not able to pay it because Im not allowed to work due to health reasons and I have told them this but they still call and I send the paperwork that they asked me out for back and they sent me the same paperwork again and still call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I XXXX XXXX has been notified that Right Path Servicing ( RPS ) is a servicer who has purchase my note. I have never done business with Right Path Servicing nor contracted with them. Therefore, I insisted that they shall provide me with admissible proof that I owe the alleged debt in order to settle this matter. They have refused to provide me with the liability that created the debt in the form of the true original contract signed with both parties wet-ink signature, receipt of the bank loan check, an sworn affidavit of claim by the injured party or competent witness, or book keeping entries or accounting showing that RPS and the XXXX suffered a loss.

RPS has provided me with photocopies of the mortgage note without the promissory note which gives me reason to believe the mortgage was resold and bifurcated. I demand that RPS provides me with the endorse note as it is an important component of the original contract and I was told by the company that the note was being retained. I have also request the name of the individual who is the duly authorized representative for the company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing Act and the actions he/she has taken in relation to this account. RPS has disregarded and failed to provide the aforementioned documents to validate their claims. I then begin to receive threatening letters to foreclose on my real property in efforts to continue to securitize, extort and deceive me as a federally protected consumer.

RPS has not provided proof of claim to have the legal right and lawful authority to attempt to enforce collection of the alleged liability. 
The failure to provide proof of claim by Right Path Servicing has created permanent and irrevocable Estoppel by Acquiescence, forevermore barring Right Path Serving or other brand names from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX XXXX. As the authorized representative for XXXX XXXX XXXX, I have reason to believe the alleged debt did not exist in the first place or has already been paid in full.

Company response to consumer: Closed with explanation