vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX collection accounts showed up on my credit card report from XXXX ( procollect.com ), and these debts do not belong to me. Someone stole my information and used it info sign the lease. 

I immediately contacted them and asked them to remove these accounts under my name, they asked for a police case ID, and I provided it. However, XXXX months later, these accounts are still under my name, hurting my credit score.

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 2022-11-21 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: NV

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Suttell Hammer & White XXXX filed suit again me with a summons on XX/XX/XXXX. XXXX requested. Last hearing was case management on XX/XX/XXXX with this debt collector requesting continuance to XX/XX/XXXX reason to investigate an alleged request for hardship repayment knowing I never requested such a thing. Never spoke to anyone either regarding any request for repayment especially since I requested trial and was supposed to have trial XX/XX/XXXX. This debt collecting firm as of XX/XX/XXXX is required to have a license to do business in California however as of today, XX/XX/XXXX, they DO NOT. They have violated XXXX XXXX and new debt collection laws of California. They requested continuance to XX/XX/XXXX attempting to stall case to have chance to send what appears to me to be a forged letter from XXXX XXXXXXXX XXXX ( whom theyve claimed to have been representing since filing suit XX/XX/XXXX ) I received XXXX day after last hearing on XX/XX/XXXX, stating since they cant reach a repayment agreement they are NOW ASSIGNING the accounts to Suttell and Hammer and White. XX/XX/XXXX, I received updated letters this time they changed their DBA name from Suttell Hanmer and White to Suttell and Hammer. IMPORTANT POINT : PLEASE NOTE THEY LEFT OUT ON ALL LETTERS XXXX XXXX identifies which state they are licensed in. XXXX  XXXX or XXXX. are assigned to do business in certain states. Suttell & Hammer clearly violated my rights in many ways including no license number on any documents sent to me, not disclosing how to dispute any debt. Please note 2 days after my last complaint dated XX/XX/XXXX, on XX/XX/XXXX, XXXX XXXX XXXX Attorney based out here in California and who appeared at trial conference hearing in XXXX XXXX XXXX XXXX requesting time for hardship request, sent me a request to dismiss not stamped or filed by court but completed with her signature on it. Clearly attempting to make it go away without judge seeing facts in this case. Now why would she request a dismissal less than a month after her lie requesting a hardship request knowing there was never one and trial conference set XX/XX/XXXX? Also plaintiff XXXX XXXX XXXX advised me XX/XX/XXXX, and on another call I made to them XX/XX/XXXX, that they assigned these accounts to a new agency to collect called XXXX on XX/XX/XXXX. I would think BXXXX XXXX XXXX KNOWS they are being represented by Suttell and HammeXXXX but they decide to assign to XXXX before a trial??? I do not think so!! They are not licensed to do business here in California however are still doing so!!

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 2022-11-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App closed my account with no explanation Ive tried to discuss this matter with them but they have stopped responding. I use the app frequently to send and receive money to and from friends and family. Its made my life significantly less efficient due to ATMs and ATM fees. As you can see in the attached photos I gave ample time for them to try and resolve this. I demand an explanation and the reinstatement of my account. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC 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 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 2022-11-21 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: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  {$150.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX  {$10.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$3300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC 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 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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Had about 10 credit cards attempted to be open in my name. Everyone denied these attempted fraudulent card applications besides American Express they issued a credit card in my name and sent it to me this card then was used to cash advance XXXX $ then a payment was applied according to American Express neither of which i did and i am not sure who would open a fraudulent card to then pay on the card makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NV

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Both Experian Credit Agency and XXXX XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the XXXX account in more than 3 years. For the last few years, I've only made monthly payments on XXXX account ( and no new charges ). XXXX reported account delinquent to Experian XX/XX/XXXX. In addition to that, XXXX keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. XXXX keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to Experian. Experian keeps allowing XXXX to make repetitive account closed postings to my credit report. Experian refused to remove inaccurate data. 

Furthermore, I provided to Experian proof of bank transactions showing account payments to XXXX. In addition to bank account payments, I provided XXXX 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, XXXX posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can XXXX be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. XXXX is not applying payments to the account balance. 

Finally, I provided payment documentation to Experian and Experian keeps reporting inaccurate information provided by 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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX CREDIT CARD ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6300.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$670.00} ), XXXX  ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$750.00} ), XXXX  - XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-11-21 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XXXX hard inquiries, navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), and navy fcu ( XX/XX/XXXX ). XXXX separate letters were sent out to each major XXXX XXXX XXXX in XX/XX/XXXX to have these hard inquiries removed, because I was unaware and did not give my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NV

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from XXXX XXXX XXXX ; penalty for violation ; exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This is about the Consumer Credit Transaction with your financial institutions ALLY AUTO LOAN, executed by way of signing an Agreement ( " Document '' ). As per15USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties ''. which includes XXXX, XXXX, and XXXX. The provisions 15 USC 6801 ( a ) state " It is the policy the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that I have not given your company consent to share my " non public personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : ALLY AUTO LOAN. 

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 explanation