vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: KY

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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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 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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602A States I have rights to privacy. 15 U.S.C. 1681 section 604A. 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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: CA

Complaint narrative:
Hi, I have received a notice for debt collection and I have been trying to reach th debt collector and called many times during business hours and I get an automated response that all callers are busy and call is discounted after giving the option to go online for payment option. 

I need to talk to someone at the debt collection agency to understand the debt and options to pay as I am not able to pay the amount that is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Our account was accessed through a fraudulent take over. We called the bank to notify them and the fraudsters had transferred money from my husband and I combined account to just my husbands account since they are linked. BOA stopped them from removing the almost XXXX from just my husbands account. This happened in late XXXX or XXXX, and we still have not seen our reimbursement of our money. We have called, visited branches numerous times. They said the investigation could take up to XXXX. Our money is not released to us as they said it would be. Its been over 6 months, and we are still waiting to get the money back. They keep transferring us and no one can help. Its impossible to get someone who wants to take ownership of the issue at hand. We also keep getting overdrawn notices when our account is frozen.

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 monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
NaviRefi I inquired today about applying an extra lump sum payment all to principal, what I needed to do, include, and how to send that in writing ( as previously believed this was always the process that had to be taken in order to have money applied as I wished ). The account is up to date and in auto pay. I asked via the online chat and his response was that I couldn't ever do this. That interest accrues every minute and that I will always owe interest therefore any payment would always apply to the interest first. I brought up specifically my account, being in auto pay and up to date- he still said that I could never have all the payment go to principal. Then looking back at my XX/XX/2022 lump sum payment to them of {$1000.00}, they did indeed apply the first {$300.00} to interest rather than to my principal. The payment is due on the 11th, that is when my auto pay pulls & I made that lump sum payment on the 11th as well. So I'm not understanding how my account would have accrued that much interest on the same day the payment was due and made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
When reviewing my credit report online, I noticed an account that was in collection status under the name Ashmer Collection Services. I had no idea as to who, why, what, where or when this account was established. I received absolutely no written statement from XXXX or XXXX XXXX XXXX - XXXX, regarding this collections account. I called XXXX XXXX XXXX XXXX original debtor ) who which told me that they did not have me in their system at all for owing any type of debt. So I did what all 3 Reporting bureaus advise, that is to call the collection agency. ASHMER COLLECTIONS agency had no recollection of the debt, nor did it have my name or any personal identification information related to me whatsoever. Only after giving ASHMER COLLECTIONS agency, my name did I receive ( one week later ) receive a notice of debt in the mail, that was not from XXXX XXXX XXXX, as stated on ALL 3 Credit Reporting Agencies, but from XXXX XXXX XXXX XXXX  XXXX XXXX. I have attempted to dispute the debt time and time again with all three reporting agencies only for it to be removed, then again placed back on my credit report. This is the one and only collection debt on my account and its hurting me and my reputation severely. I want these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove all of my information from all CREDIT Bureau agencies AND THEIR systems IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On approximately XX/XX/XXXX I received a XXXX policy for another person that I supposedly paid for. The person of question hacked into my credit card account and paid his policy. Chase credit card company allowed this person to enter and use. my account with a misspelled name of mine with no security needed ( per XXXX customer service ) and charged {$390.00}. When I contacted the Fraud dept at Chase they were closed and the Chase person from customer service stopped my card ( s ) immediately. There has been no response from Chase which I was advised there would be. This credit card company allowed someone into my account committed fraud and there was no security by this company to prevent. Supposedly this multi billion dollar company has advanced security which is clearly not correct. The person who did this act was approximately 2000 miles away, misspelled my name and took whatever he wanted to use for his policy from XXXX since a security code on the back of the card was not needed. I have taken proper action against the company XXXX through the XXXX. of XXXX. and now must turn my attention to Chase for their horrible service and vulnerability which is clearly evident and need your help because I am a victim of incredibly incompetent and uncaring service by Chase Bank. The Attorney General 's office that state is involved. I am sure Chase won't be proactive because their only concern has been the money I spend through their card rather than protect the consumer.Thank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recd a PayPal credit card statement via certified mail. I dont have a PayPal credit card and the statement has very odd charges listed.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
Received a phone call from XXXX XXXX saying he was with a third party trying to collect a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Their internal reference. # XXXX. He claimed to represent the firm McCarthy , Burgess , & Wolff. gave telephone number XXXX Ext. # XXXX. Their address XXXX XXXX XXXX, XXXX, Ohio XXXX, email : : XXXX I went and reported this to my credit union bank rep. He told me it sounded fraudulent to him and gave me info to report to FTC fraud dept. I have never lived or visited Illinois and have lived in Virginia all my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have inquiries without my approval. From 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 2022-10-17 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: NJ

Complaint narrative:
I have inquiries without my approval. From 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that XXXX had purged my account from XXXX 's database which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and Carrington said they did not ask to have their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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 2022-10-17 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: VA

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : 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 explanation
Consumer complaint received 2022-10-17 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:
To whom it may concern.. My name is XXXX. I am a natural person and proud American Consumer. I thank the CFPB for being the only Federal Bureau that fights for consumer rights. Im writing this complaint because Portfolio Recovery Associates is violating my right to privacy and harming my family by negatively reporting inaccurate information on my consumer reports violating the Consumer Federal Protections Act, 12 U.S. Code 5531 - Prohibiting unfair, deceptive, or abusive acts or practices, and many more violations hindering my estate from obtaining goods for personal, family, and household services. 

God gave us all this land and rights to it, and Portfolio Recovery Associates can not violate Gods law or Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NC

Complaint narrative:
On XX/XX/2022 I contacted TransUnion by live chat after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave TransUnion any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of TransUnion. TransUnion took no effort to remove all fraudulent information and improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: ENCORE CAPITAL GROUP INC.
State: GA

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 treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX  Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Spring Oaks Capital, LLC
State: GA

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 treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX  Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX  XXXX Reported balance : {$950.00} Closed XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXX XXXX  XXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).

Company response to consumer: Closed with explanation