vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ( reporting on Experian ) has violated my rights. 

15 U.S.C. 1681 Section 602 a States that 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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
MIDLAND CREDIT MANAGEMENT IS REPORTING A FRAUD ACCOUNT ON MY CREDIT. I HAVE ADVISED THEM ITS FRAUD. I ALSO MADE THEM AWARE THE ORIGINAL CREDITOR XXXX REMOVED THE ACCOUNT FROM MY CREDIT IN 2021. 

NOT ONLY IS THIS ACCOUNT FRAUD, MIDLAND CREDIT IS ALSO IN VIOLATION OF THE FCRA. 

THEY ARE REPORTING THE ACCOUNT OPENED XX/XX/2021. THAT WAS OPENED WITH THE ORIGINAL CREDITOR XXXX. THEY HAVE REAGED THE ACCOUNT FOR ONE. SECOND, THEY ARE LISTING THE ACCOUNT WITH PAST DUE WITH A BALANCE OF {$850.00}. COLLECTIONS ARE NATURALLY PAST DUE BY DEFAULT. 

I AM CURRENTLY SPEAKING WITH A LAWYER TO CONSIDER LEGAL ACTION FOR THE FALSE REPORTING OF A FRAUD ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've got multiple hard credit inquiries on credit report. 2 of them on XX/XX/XXXX from the same company capital one which I did not give permission to run my credit. Also got one on XX/XX/XXXX from XXXX XXXX XXXX XXXX Which I did not approve to run my credit. Also XXXX XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX on on XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX and I also have multiple ones with XXXX XXXX on different dates. 


Also would like for XXXX XXXX XXXX to update my profile as paid in full and to remove negative remarks in my credit. Majority of the times I was late was less then 10 days. So why report I was more then 30 days late. These little things are hurting my credit. And my wife and I are trying really hard to build our credit to buy a house for our family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX DRIVER I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY XXXX XXXX I READ THROUGH A POST I FOLLOW CONCERNING XXXX DRIVER FAST FOWARD TO NOW I WAS CONTACTED BY RECIEVABLES PERFORMANCE MANAGEMENT ON BEHALF OF XXXX XXXX XXXX XXXX STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY XXXX XXXX NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.

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 2022-04-01 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: OH

Complaint narrative:
Its a XXXX XXXX account that was open under my name with my information but different address this the account that was open XXXX amount XXXX activated XX/XX/20 someone stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This morning I realized that National Credit System changed their account open date on XXXX and XXXX. The original document said that it would be reported on XX/XX/2021 it showed up on my credit report on XXXX XXXX but now it says that it was opened XX/XX/2021. They will not acknowledge my documents sent to them that prove that this account is inaccurate and now are trying to make it make sense. They fraudulently evicted me on XX/XX/2021, and would not accept the check between the dates of XX/XX/XXXX and XX/XX/XXXX which was dated on the sheet they gave the National Credit System. NCS will not enforce the company to prove they are practicing unfair tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lotane & Associates, P.A.
State: GA

Complaint narrative:
My complaint is against XXXX and XXXX. Address : XXXX XXXX XXXX, XXXX FL XXXX. 

I was sued by this company in XXXX without proper notification that they were taking me to court. I only received a certified letter after the court date stating that the judge had ruled against me and that my license would be suspended if I didn't contact them immediately to set up payments. At the time I didn't have the extra money to hire a lawyer so I just decided to go ahead and set up payment. I have been paying my payment regularly with only 2 exceptions in almost 10 years but they have sent letter to have my license suspended twice and I have to pay a bigger down payment each time to have my license reinstated. However after 10 years of paying I still owe XXXX. How is that possible? They will not tell you when you call if any of the payment goes to interest and if so, how much. The website doesn't show how much money goes to pay down the balance. 

I called the company on XX/XX/XXXX because when I was paying XXXX payment I realized that somehow I forgot to pay XXXX payment so I called to see if I could pay double to correct the account but was informed that they had already sent a letter for my license to be suspended and that I would have to pay 250 down-payment plus XXXX payment before I can have them re-instated. I asked to speak to a supervisor and was told that she sent a request and someone would call me back. It took 48 hours for them to call me back and when I asked why didn't they give me a courtesy call before they suspended my license since I have been paying on time for years and I just had a lot going on and forgot that month. I was told that they do not call and they could not call or email reminders. 

The harassing tactics they use should be investigated. 1. How can you take someone to court without properly informing them and 2. Why do they have the power to suspend license especially for people who are trying their best to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
Me and my wife cosigned for student loans for our nephew for over $ XXXX. The student made no effort to pay and we're getting stuck with the full amount. The lender, Sallie Mae, made very little effort to go after the student and came right after the cosigner. They setup robo calls to our jobs and we both got in trouble. We've been paying now for several years and Sallie Mae is satisfied and still making no effort to make the main borrower, the student, responsible. At this point it's like the student is off the hook for all the loans and we are are struggling as we approach retirement age. Sallie Mae acknowledges on my calls that they are not going after the student for payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MN

Complaint narrative:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-04-01 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: MN

Complaint narrative:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have Bank of America account The account has been open for over 3 years - I have only did one XXXX transaction the entire time- The account was been dormant for over 120 days and then XX/XX/XXXX - XX/XX/XXXX -Account was hacked with 7 different XXXX XXXX to different people over {$20000.00} removed from the account - No call from the Bank... They hacked my account Bank of America denied my fraud claim saying I allowed access to my phone and thumb print .... My phone doesn't have thumb print and I don't how they were able to verify... 

I feel like my REG E has been voliated by Bank of America and they have failed fraud procedures file a new claim 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 2022-04-01 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: DE

Complaint narrative:
XXXX accounts on my credit bureau reached the 7 year statute of limitations. The original month/year of of first delinquency was XXXX which made the date of deletion XXXX, XXXX. The accounts were recently re-aged which changed the date of 1st delinquency to XX/XX/XXXX which changed the date of deletion to XX/XX/XXXX. This is against FCRA regulations. I want these accounts removed from my credit file. XXXX has already deleted them and they are scheduled to be deleted by XXXX. Below are the accounts in question : XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-04-01 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: MN

Complaint narrative:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XXXX XXXX XXXX, PNC charged me 5 or 6 overdraft fees. I had the money in my account to cover my bills and expenses but they sent all of my bill payments back which caused my checking account and my payments to be completely messed up until I closed the account in XXXX. I discussed it with several people at the bank but they automatically figured I was lying. My account became overdrawn every month because I pay my bills on the XXXX of the month. Before I knew they had already taken half of my Social Security XXXX check this kept going on and on. they would tell me that they would investigate but never sent me anything about what they found. Now my credit score and credit checks is completely destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation