vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.

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 2022-08-03 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: LA

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXXXXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Mortgage 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 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 explanation
Consumer complaint received 2022-08-03 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. The list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

15 U.S.C 1681 section 602A.States I have the right to privacy.

15 U.S.C 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
I've contacted all three bureau XXXX XXXX, Equifax, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
I've contacted all three bureau XXXX XXXX, XXXX, and Experian asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!

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 2022-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
My car was repossessed on XX/XX/XXXX which is against the law and without my consent. I have spoken to the supervisor and sent emails following that date about the violation that they have committed against me according to congressional law 15 USC 1692f ( 6 ) ( b ). That clearly states in fine print that there is no present right to possession of the property claimed as collateral through enforceable security interest. 

They are also in direct violation of 15 USC 1635 that states when an obligor exercises the right to rescind under subsection ( a ) he is not liable for any finance or other charge, and any security interest given by the obligor under this section. The creditor shall provide ; in accordance with the regulations of the bureau, appropriate forms for the obligor to exercise the right to rescind any transaction subject to this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has violated my privacy. Your company has reported three hospital bills negatively on my consumer report. Neglecting my right to privacy has lead to me being denied treatment when gravely needed. Pursuant 15 USC 1681c ( 6 ) this furnished information should not include specific identifiers such as the name, address or nature of services provided. This error has undermined my confidence as a consumer because you are furnishing information that has caused me to experience discrimination based on health matters.

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 2022-08-03 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: DISCOVER BANK
State: WA

Complaint narrative:
1 ) Was charged on XX/XX/XXXX from XXXX for XXXX on my Discover Card XXXX ) Disputed the charge on XX/XX/XXXX as there was no record on XXXX of this transaction as my plan was cancelled. I uploaded these documents to Discover.Com in the dispute case XXXX 3 ) Discover reached out on XX/XX/XXXX via email and notified me that the dispute was investigated and found to be in my favor. The email stated " If the merchant provides information indicating the transaction is valid, we may reverse the credit adjustment and notify you with a copy of any documentation we receive. In that case, you will be able to provide additional information if you wish to continue the dispute '' 4 ) In XXXX the transaction was posted to my account. No notification from Discover that this was done. 
5 ) On XX/XX/XXXX my auto pay paid the XXXX dollars. 
6 ) Contacted discover and they stated that my transaction was still under investigation and that was why it was posted back to my account. 

Reviewed my XXXX account and new charges were attempted to Discover on XX/XX/XXXX but never appeared on Discover statement and do not add up to XXXX dollars. These charges were not approved or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
In 2020, my mortgage company paid my insurance payment out of my escrow account. It was lumped with another one of their customer 's payment to the insurance company on one check. The other customer ended up cancelling their insurance and therefore, The Money Source, got a refund check back of BOTH OF OUR payments. Everything on our statements looks like they paid our insurance but when you do the math, we never received our refund and went for over 1 year WITHOUT insurance on our home ( hurricane area ) without knowing.

I called The Money Source multiple times, e-mailed multiple times, sent them the XXXX spreadsheet that showed them the error and they said that I needed to talk to my new servicer ( loan was sold 3 months after the check was stopped ). I explained that the new servicer has nothing to do with it because they got less in our escrow account than they should have and The Money Source is holding our money. 

In addition, because this had to do with a mortgage, our tax documents are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services has violated my rights! Your company has tried through different mediums to contact me. Stating openly that you are attempting to collect a debt in the amount of {$74.00}. The envelope and contents of the mail contained the nature of the communication and a possible consequence if I did not comply. Pursuant 15 USC 1692b ( 5 ) CCS violated my privacy by listing the alleged business matter in the contents of a mailed communication while threatening my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}.

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 explanation
Consumer complaint received 2022-08-03 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: Paypal Holdings, Inc

Complaint narrative:
I have used PayPal for more than one year and i have always kept in mind my the policies and terms of PayPal. My business was also running great and i also decided to open an LLC in the united states to further expand my business and also try new businesses.

Today i woke up and saw an email from PayPal Which said " You can no longer use PayPal '' " we decided to permanently limit your account as we found potential risk associated with it. '' Without any warning, without letting me explain myself, they have closed my account, in my head i dont think i have violated any terms or policies. and i can also show proof for all of my transactions which took place.

I had funds in account of {$360.00} and a customer also had to pay me {$250.00} for a website that i sold on a platform called XXXX. i can not now pay for my hosting, plugins and domains, as my account is banned with any reason : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

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 explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

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 2022-08-03 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
Dear consumer affairs, regarding the cash app account routing number XXXX account number XXXX XXXX. Prepaid card number XXXX XXXX my name is XXXX XXXX the account card name is integrity first phone number XXXX email address is XXXX XXXX. transaction date XX/XX/2022 the amount is {$350.00} Merchants name is XXXX XXXX XXXX I'm having serious problem with the cash app company refunding and returning back my funds On XX/XX/XXXX a charge try to come through from the XXXX XXXX for {$62.00} it was declined because my card was blocked.. on that same day which is XX/XX/2022 another charge came through XXXX for the XXXX XXXX XXXX that charge was accepted but the card was locked. 

On XX/XX/XXXX another charge from the XXXX tried to come through for {$10.00} that was declined because the card was locked on that same day XX/XX/XXXX another charge was trying to come through as well for {$200.00} from a XXXX that charge was declined as well because the card was blocked. 

. On XX/XX/XXXX I received a text stating that the {$170.00} charge on the XXXX was changed from XXXX to {$350.00}. Causing my balance to go negative because the funds were not available. 

On XX/XX/XXXX I closed the card down. 

On XX/XX/XXXX you can see that I registered my cash app account on another device because the device that I had was stolen or lost not sure. 

I have reported this to the police I have made a police report regarding this here I've been disputing this with the cash app customer service since these charges occurred and the results have been Negative they have not tried to help me in no way shape or fashion or form. 

This charger is not my charge it is a federal law and regulations that unauthorized charges card holders are not responsible for and I'm being held responsible for a charge is not authorized. 

By the cash app company holding my funds it as cause my other accounts and other bills to become negative IThis as caused cause me to have to pay fines fees as well. 
Included in this too is a police report regarding this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MO

Complaint narrative:
I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

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 2022-08-03 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: MO

Complaint narrative:
I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MO

Complaint narrative:
I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

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