vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 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: NY

Complaint narrative:
XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. in accordance with the fair credit reporting act XXXX Account XXXX XXXX has violated my rights.

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. 



It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX : XX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right 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 1666B : A creditor may not trash a payment on a credit card account under an open end consumer credit plan as late for 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX account on my report ), 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 non-monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX  account on my report ), 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
SO! I was approved instantly for the Capital One Venture X Card with a sign up bonus etc a short while ago. I got the card sent to me in the mail, and immediately had my account restricted. 
I spent time to call Capital One ( multiple times ), and they explained to me, that even though i was approved, ( AND ofc provided a social for them to run a check etc. in the card application ) and even though i received the card in the mail, they needed my last 3 BANK STATEMENTS to prove my income. 
So, with no choice, I spent the time to upload them, and had to wait 7-10 business days for an update. ( I was hoping to use the card in the meantime for travel benefits etc. ) ANYWAYS, after a full 10 days and no change, I called Capital One, only to find out that my account had been closed. That means a lot of wasted time till now. Roughly 10 hours total unfortunately. 
In any event, HERES THE KICKER!!! 
They are asking me to pay the XXXX $ card fee!!!! I have a statement that came in the mail today saying that I need to pay XXXX $ by the next billing cycle for a card I WAS NEVER ABLE TO USE! and XXXX $ due balance. 
SO, I called capital one, and predictably they said that since the account is closed, they cant see into it. 
I now need to speak to a manager from capital one who maybe can help me.. 

-Note- This was about a month ago. 
About 2 weeks ago, I got a bill in the mail for the XXXX $ annual cardholder fee. and that i need to start paying interest on that balance. 
This is crazy. They're charging me for a card I never was able to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Money transactions with Zelle via XXXX XXXX XXXXXXXX, reported as Business Under False Pretense / Fraud. The check ( s ) the employers provided have been termed fictitious by the bank ( s ) involved and subject to chargeback ( s ).

The recipients received money as contractors for Equipment and Softwares to supply me, a New Hire, with an Employer Qualified Home Office. The company name and activity was/ is noted/ memoed on the transactions. ( Business Name, Reason, Item ) No goods or services have been received to now, and delivery tracking was promised by the authorizing party for an approximated date : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orions Management Group, LLC
State: SC

Complaint narrative:
Orions Management Group LLC sent me a collection letter on XX/XX/XXXX stating I owe a debt. I send a certified verification letter ( see attached ) on XX/XX/XXXX. They received my request on XX/XX/XXXX as it was signed for. I allowed 30 days for a reply. With no reply I sent another certified letter on XX/XX/XXXX stating per the FCRA gives companies 30 days to respond and as of that day I have not received anything so they needed to cease with collectors actions. They did not follow FCRA rules to verify my account. On XX/XX/XXXX they sent me a letter with a statement. This did not verify that the account was mine. I wrote to them asking for detail proof and a contact with my signature. This was not provided. XXXX. stated this account was charged off back in XXXX. South Carolina has a 3 year statute of limitations. its actually illegal for a debt collector to attempt to collect on time-barred debt. Unless XXXX  can prove a copy of the original agreement with my signature, please cease and desist with collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a CITIBANK 's XXXX XXXX credit card ( XXXX ). I called the customer service to ask a very simple question : when was my card opened? I was told first by the regular agent and then by her supervisor that I DON'T HAVE THE RIGHT to know that information " for security purposes '' (!! ). None of other credit card providers I have cards with have ever had any problem disclosing this info to me- always a matter of just one quick call. 

Please address this. This is a flagrant violation of my rights as a customer.

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1. in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I received a message on a job I applied to on XXXX. The company emailed me a check to buy the equipment for the job. The gave me a vendor to use. I deposited the money and luckily I could only send XXXX a day through Zelle. On XX/XX/XXXX I realized it was a scam. I called XXXX to alert them about the check and to stop the Zelle payment. It was too late and now I have XXXX less in the bank. Fees on the check for fraud even though I was the one who called them, and restrictions on my bank account. My automatic payments can not go through because I lost the privilege which I didn't know. I told XXXX  about the job and it is still up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
was involved in a online purchase with the amount of XXXX to a person for good and services and used a credit card in Paypal to purchase and the person took my money and did not provide the goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 that a consumer reporting agency can not furnish an account without my written instructi
ons.

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 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received a email from zelle and I called the support number which is when I tried to explain that they have the wrong email and I don't have a zelle account which is when I was called a bunch of XXXX and XXXX  that it is My account I  XXXX XXXX My kids are XXXX  so I hung up and made a police report along with the email address which it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. in accordance with the fair credit reporting act XXXX  account # has violated my rights. 
2. 15 u.s.c 1681 section 602 A states i have the right to privacy. 
3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions. 

4. account # 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporter act XXXX accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporter act XXXX accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my 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 2022-05-22 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 — Card was charged for something you did not purchase with the card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/22, XXXX PM, received the following text from phone # XXXX : RBFCU : We Have Declined A Few Charges At XXXX  For An Amount Of {$130.00} Please Visit Us Here To Review Any Transactions Made : XXXX XXXX XXXX XXXX XXXX  I do not have an account with Randolph Brooks Federal Credit Union XXXX and 2 ) I have not purchased anything from XXXX  in over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with 6 family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
improper inquiries

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