vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2022-12-01 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 explanation
Consumer complaint received 2022-12-01 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: GA

Complaint narrative:
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 Dept ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-01 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:
Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.

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 2022-12-01 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:
Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several Fraudulent Inquiries that are being furnished to my credit report from transunion and XXXX, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.

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 2022-12-01 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: GA

Complaint narrative:
Equifax and XXXX has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against Equifax, XXXX and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in XXXX and white and Im sure the judge would love to review this case. Also, because Equifax and XXXX allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in XXXX and white. XXXX and Equifax has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: WA

Complaint narrative:
I disputed this thru XXXX  this is not my account there is no valid debt please validate my social

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 2022-12-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22. 

I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill. 

I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done.

Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare.

They couldn't even tell me the numbers on my own card after 3 hours of being on the phone.

The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN!

I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case.

Please help me appeal this case with Apple Card/Goldman Sachs ! !!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX aka XXXX XXXX In/ aka XXXX XXXX ) # XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX 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 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 or 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. 1681 S-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 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I owed them a debt that they claim I owe. I asked for a written signature that said that I owed them the amount they said that I owed. 

On XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as " in dispute '' to the credit reporting agencies. Furthermore they failed to provide me with the proper documentation that I asked for instead I was provided with a lease agreement from who they are claiming is the original creditor this is not proper validation nor what I outlined in my dispute letter. Lastly they have refused to remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I authorized a payment for a credit check ( {$48.00} ) and a hold on an apartment ( {$300.00} ) that I might rent, giving an apartment complex my routing and checking account number -- a one-time transaction. Later I learned that the property manager was ethically challenged, with numerous lawsuits against them as well as the XXXX of CA after them for forming a XXXX  to raise rents in CA. I was fearful that this unethical company might try to take more from my checking account, so I called my bank, Chase. Sure enough, I was told that the company could take more money from my account -- an XXXX. After three phone calls during which I spoke with at least eight Chase employees I was persuaded that the only way to prevent unauthorized withdrawals was to pay {$30.00} to stop payment. In my view it should be a simple thing to ask a bank to cancel an ACH. I don't mind paying {$30.00} to stop a payment that I authorized, such as a check I've written, but why must I pay {$30.00} to stop a payment I did not authorize? I suspect that banks are collecting {$30.00} stop-payment fees from millions of customers who want to stop businesses from taking money from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: OK

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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 explanation
Consumer complaint received 2022-12-01 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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I recently received a letter dated XX/XX/2022 from Rocket Mortgage. Who indicated they were unable to approve my home loan. Because of Debt to Income : Excessive Debt. Which I feel that I am being discriminated against because of my race, color, age, sex and marital status. By them denial me the home I feel that I could afford as being single. Without an co-signer. Also they pull credit report from XXXX without me unlocking my credit report for them to withdraw. XXXX is wrong for allow them to have access to my credit file. Im paying XXXX {$24.00} each every month to keep safe from fraudulent accounts made in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against XXXX, Transunion and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in black and white and Im sure the judge would love to review this case. Also, because XXXX and Transunion allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in black and white. Transunion and XXXX has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.

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 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I am a victim of identity theft. I first became aware of this in XXXX of 2022 when Radius Global Solutions ( a debt collection agency ) called me about an XXXX XXXX account that was opened in my name in XXXX XXXX, NV with balance of {$840.00}. My credit report indicates that was for services from one of the two following addresses : XXXX XXXX XXXX, XXXX XXXX, NV XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX Both of these addresses are on my credit report and I have disputed them. 
There is also a Nevada phone number listed on my credit report : XXXX and I have verified with XXXX that an account was opened in my name using that phone number. 
I have never lived in Nevada and have never had a Nevada phone number and I have never had an account with XXXX. 
Radius Global Solutions bought this delinquent debt from XXXX and contacted me in XX/XX/2022. I explained to them that I have never lived in Nevada, owned property there or had an account with XXXX. Radius Global Solutions continues to report this fraudulent information to the Credit Bureaus and it has destroyed my credit. I want this removed once and for all. I have repeatedly tried to contact the company to no avail. I have never received anything in writing regarding this and only today have been able to get a reference number from Radius Global Solutions. However they were unable to help me resolve the issue, as all their staff work in XXXX and can not give me any information other than the reference number.

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 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I want to add additional information to my previous complaint regarding PNC bank. I read about a customer sue in pnc bank for taking money out of my checking account without my permission during a bankruptcy I had to file due to theft and fraud. During this time my checking account was supposed to be closed. I called the bank 3 times requesting this account be closed. Instead of closing my checking account pnc bank deliberately kept the account open because they knew I was going to receive my 2nd stimulus payment by direct deposit from the irs. Pnc bank then took half of my money without permission and applied to a loan and a credit card that they issued a year previous. Knowing full well I could not pay back because all my money in stock was stolen and loans were taken out in my name. Due to my identity was sold in the XXXX XXXX then posted on XXXX in a different language using my personal information. I wrote letters to pnc bank with state police report explaining that XXXX.with recipes showing I had no money left. Because it happened in XXXX I would not get any of my money back that Was stolen from me. Pnc bank did not care and said I was lie in and did not believe me. So they took my money out of my checking account to pay the loan and the credit card balance without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have 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 2022-12-01 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: WI

Complaint narrative:
I am very disappointed with transunion. I sent a request to investigate items accuracy on my report through letterstream I don't have the time to go to a postal service and this company is accusing me us using a credit repair company. When I am the one sending out my letters. I received the letter XX/XX/22. I know my rights as a consumer, I have studied consumer law. I know my rights I give the instructions on what they are to do according to federal law. Transunion is in violation making accusations. I am giving them the benefit of the doubt. 

:

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