vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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:
Experian has reported incorrect information on my credit report. Affecting my credit score XXXX points and my balance amounts ( XXXX XXXX XXXX XXXX XXXX ). That has now caused my family and I to take a financial decline. 
It is causing me to miss work opportunities and investments. 

I have filed a police report. 
Experian is reporting accounts that aren't being properly reported nor validating information accurately. Then, later correcting the error. Still causing a negative XXXX points to impact my FICO score. Which I the consumer have yet to recover from. 

Currently, EXPERIAN is reporting another fraudulent account. 


account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has acknowledged that the account they obtained with my personal information was fraud and closed it on their end along with not reporting. Yet, are still selling my information to collectors. 
This debt that XXXX now sold to XXXX XXXX XXXX to collect a debt that XXXX created/allowed illegally!

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 2022-10-31 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: WA

Complaint narrative:
I noticed a Transunion hard inquiry via XXXX I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXX XXXXXXXX XXXX according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.

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 2022-10-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : US Bankruptcy Court # XXXX Accounts : XXXX XXXX company # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX  XXXX Accounts : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CO

Complaint narrative:
At the end of XX/XX/2022, I used XXXXXXXX XXXX ( XXXX ) to send my daughter 2 transactions : One for {$1000.00} and the other for {$1900.00}. I had used XXXX in the past and since. The amounts were deducted from my account but not deposited in my daughters account, I called my bank but they said since it was a debit card purchase, there was nothing they could do. I called XXXX and XXXX alot. The constantly took my claim information and said someone will get back to me in 3-5 days. I had one email from them stating that my old email from 15 years ago was attached to my XXXX account. I told them I do not remember the password and do not have access to it but they would not help, Cant get help for it with anyone, I called the Colorado Attorney Generals Office but have not heard anything from them. I can not even get anyone at XXXX XXXX to talk to me -- only the cust, service and they do nothing. Now I am out {$2900.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-31 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 XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MD

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. 

Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-10-31 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: IL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX INQURIES : XXXX XX/XX/22 XXXX XX/XX/22

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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XX/XX/2022 a relative received a call from chase ( spoofed ) that there was fraud on their account and to send money to me. I received XXXX from them through XXXX and was notified by my account settings of the transfer. I contacted that relative and they asked me to send the money back. So I did with in minutes of receiving it. That money never made it back to them because their XXXX account information had been changed but they were not notified of this. I filed a fraud complaint on XXXX XX/XX/2022 for the transaction of sending the money back to this relative but was told there was nothing wrong with the transfer and no reversal would take place. The relative filed a fraud against the transaction of sending the money to me, for which they took the XXXX out of my account and gave it to the relative even though they can clearly see I sent that money back to them through XXXX but it did not reach them. So i am down XXXX. I have contacted Chase 4 times on XXXX XX/XX/2022 between the hours of XXXX Eastern time and XXXX Eastern time and was hung up on each time after they put me on hold to look into the claims that were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The item serious delinquency has been on my credit report for 25 years. It was XXXX there fraudulently. There is no record of delinquency. Bank officer used the item on the report out of retribution after a disagreement in 1997

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 2022-10-31 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX charged the card on XX/XX/12. I disputed the charged and was refunded by Citi. On XX/XX/12 and XX/XX/12 I was charged again. I do not have a XXXX XXXX account. I tried to dispute the XX/XX/12 and XX/XX/12 charge and was told by Citi since I was charged more than one month that I couldnt dispute the charge.

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 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
On Saturday, XXXX, I received a noticed from a law firm stating that they were representing a former employer of mine also stating that I owed this former employer a certain amount of money. As of today 's date, XXXX, I have never received any information concerning this or any other money matter, concerning me owing this company monies. Their recruiting team has reached out to me about coming back to work for them as a XXXX XXXX XXXX  and I have responded that I would be interested in a return position with this company. This comes as a very huge surprise to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX - Account Number : 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 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 ) ( a ) 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 explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
We did not receive notice that the home was going into foreclosure nor did we get time to respond to the court documents they did not make a fair attempt to make contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
XX/XX/2021 a loan was funded to me. I needed the money to survive from getting XXXX. This was done online over phone. Net Credit 's disclosure is small print and very long and confusing. It shouldn't be appropriate due to the interest rate being 98 %! DAILY INTEREST In a state where that rate is illegal! I borrowed {$2000.00}. After 3 months of bi weekly payments automatically being drafted out of my account. I happen to see the balance was {$2400.00}. I was in shock. Not realizing making payments on time and the balance only increased! There was no way I could afford this. Especially after hurricane XXXX. Rent doubled along with gas and utilities and food. I had to move in with a friend. And my child had to go live with his father. All Net Credit will say that I electronically signed saying that I understood the disclosure. If this is how they do business? I am sure there are many other people going through this same thing. This takes loan sharks to a whole new meaning. They should not be in business. And someone needs to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by Portfolio Recovery Associates by them claiming that my Estate owes an alleged debt while there violating my fundamental right to privacy. I was unaware that Portfolio Recovery Associates was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt Portfolio Recovery Claims is my personal debt along with my personal information was sold to them by XXXX XXXX. I never agreed to that. After realizing that Portfolio Recovery Associates was unethical, I decided to look into their license to collect debt in California. Portfolio Recovery Associates is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from Portfolio Recovery Associates because I can not obtain goods for my personal, family, and household benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Mortgage was included in bankruptcy discharged XX/XX/XXXX. Mortgage was reaffirmed in bankruptcy. Asked for payoff starting in XX/XX/XXXX and despite numerous call daily Dovenmuehle did not provide payoff until XXXX XXXX AFTER loan was transferred to XXXX XXXX XX/XX/XXXX, XXXX we were supposed to close on sale of home in XXXX but could not close until XX/XX/XXXX. XXXX. Funds sent to XXXX at closing were returned to title company as they were not servicing the loan anymore. Loan was then paid off through XXXX XXXX. XXXX shows account as open on my credit report and as discharged through bankruptcy even though it was reaffirmed. The XXXX balance and derogatory credit rating infer that the debt is XXXX because it was discharged in the bankruptcy. It should indicate paid in full and the loan had been in a COVID forbearance prior to the servicer transfer and subsequent sale and should not indicate a negative credit reporting code for those months. Not closing on the loan in a timely manner caused terrible stress for our family and financial hardship, and not reporting this correctly is now doing the same as we start to work on obtaining a mortgage for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: Credit Karma, LLC
State: WA

Complaint narrative:
I noticed a XXXX hard inquiry via creditkarma.com I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX  in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXXXXXX XXXX XXXX  according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am owed a pro-rated refund for the annual fee on my XXXX XXXX XXXX American Express Card. I closed the card in early XXXX, at which time I was told that the annual fee would be pro-rated and the balance refunded. I called on XX/XX/XXXX to ask for that balance to be returned, and was told that a recording of the call would be reviewed to confirm my claim. In calling today ( XX/XX/XXXX ), I was told that my request was denied, and that the only way I could access the recording would be with a subpoena. This is unacceptable, as I clearly recall what was said to me. I am being defrauded by American Express for the roughly {$400.00} balance of my annual fee. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
My son had insurance with XXXX XXXX which in now XXXX XXXX. He was fully covered at the time. Then I noticed that a charge for {$620.00} was on my credit report regarding a charge that was covered by his insurance.

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