vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: MS

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 ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : 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 2022-07-04 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: GA

Complaint narrative:
When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: GA

Complaint narrative:
When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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  The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

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

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 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC

Complaint narrative:
On XXXX XXXX I received a collection notification from Enhanced Recovery Center in regards to doing business with XXXX the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the XXXX data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and XXXX XXXX 
as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

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 2022-07-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : 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 an 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 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: TX

Complaint narrative:
Happy XXXXXXXX XXXX XXXX 

I visited XXXX XXXX in XX/XX/2021 and after landing, went to XXXX and had food poisoning. 
XXXX was called and took me to a hospital, which was not covered with my insurance. 

Kindly help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I NOTICED THAT THIS COMPANY MAY NOT BE IN COMPLIANCE WITH THE TRUTH AND LENDING ACT AND REGULATION Z OF THE FEDERAL RESERVE BOARD. I SENT THEM DOCUMENTS ABOUT THE PRICE THERE CLAIMING I OWE IS INACCURATE. I ASKED THEM TO PROVIDE THE APPROPRIATE ACCOUNTING RECORDS ACCORDING TO GAP. THIS COMPANY HAS FAILED TO PROVIDE THE DOCUMENTS REQUESTED. THEY HAVE BEEN THREATENING ME WITH HARASSING PHONE CALLS, THEY HAVE SENT OUT TOW VEHICLES TO REPOSSESS MY TRUCK. I HAVE BEEN RECEIVING HARASSING EMAILS AND LETTERS IN THE MAIL. THEY ARE CLAIMING I OWE {$20000.00} WHICH IS IMPOSSIBLE BECAUSE I GAVE THEM A DOWN PAYMENT OF {$10000.00} IN CASH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
United revenue corporation has violated my rights. 

15 U.S.C 1692g : Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 
Account # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION, PLEASE REVIEW ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I had Payoff this Credit Card, which had a balance of XXXX on XXXXThe name of the credit Card company is Milestone ( genesis ) But I receive a statement in XXXX of XXXX  with a charge of XXXX which I. did not recognize and did not authorize, See enclose statement. I had call them about this charge, but they never investigate and until this date have been demanding, payment without any proof, that I owe them this charge. 
not only that, but have added late fee 's, in the amount of {$130.00}. I had a Law firm, to write them about this dispute and send proof of this charge, but to no avail.

On top of that, they have reported it to the credit bureaus and have ruin my credit report, has a past due account. I have enclose documents of proof that it was pay off. 
Also a payment of payment {$15.00}. with the letter from the Attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This is regarding a Chase Business Credit Card. 
I called to inquire about a credit limit increase. 
While being asked questions about my income, I suddenly received alerts stating that I have a hard credit check. I did not authorize a credit check. I did not know there was going to be a credit check. 
The agent on the phone ( recorded call ) admitted that she did not disclose a credit check would be performed. She apologized. But that does not fix the fact that a hard credit check was performed without my authorization. I was simply answering questions about income. 
I called Chase and they declined to assist me with this issue. They said there was implied consent. I informed them that there was ZERO mention of running my credit and asked them to review the call. They declined and refused to assist further. 
I want this hard inquiry removed from my report. I did not authorize a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TN

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 an 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 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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one is still trying to collect a debt even after it was removed from credit report police report was submitted and it was removed now they replaced it on report again this is not my debit and need to be removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the Equifax data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and menstrual anguish, as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
this collector has been calling everyday, i was told my medical bill was paid for by my XXXX insurance should have paid for it, but later, they submitted 2 derogatory remarks on credit report. So, i paid XXXX for settlement, but i was told the medical insurance paid for it. but i dont need any of this on my credit report. i would really like for them to refund me my XXXX if my insurance paid for it.

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 2022-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX submitting this claim myself and no third party is involved. I XXXX XXXX, a natural person, and creditor of a open ended credit plan was denied my right of credit by Capital One. I was notified of this transgression of my rights, specifically 15 USC 16001-T.I.L.A, by Capital One. Via U.s mail. According to the 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Capital Ones adverse action taken against me, Capital One admitted to using a credit scoring system that assigns a numerical value on information in my credit report. Capital One admitted XXXX the credit reporting agency advised them to share my PRIVATE info via my credit consumer report. According to 15 USC 1602 ( p ) XX/XX/XXXX Never had my permission to allow Capital One to view my non public private information in result I received no benefit from this credit transaction. Capital One adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. Capital One is now civically liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2022, I mailed my dispute letter to Discover Bank ( see Exhibit A ) and have not received a Response. 
I need CFPBs assistance in resolving this matter because Discover Bank has provided two different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Discover Bank account was never Delinquent and should never have been reported that way ( see Exhibits B and C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XX/XX/XXXXaccounts, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/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

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