vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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:
n accordance with the Fair Credit Reporting act US DEPT ED 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 non-monetary relief
Consumer complaint received 2022-06-08 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'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors 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 2022-06-08 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXXXXXX 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 A, Section 2 : It 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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MBA LAW account with a balance of {$590.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER written me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect data they wont remove. Attached is last letter I sent.

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 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
I received a letter to appear in court on XX/XX/2022, I have absolutely no knowledge of this company, what the debt pertains to nor was i ever served any papers that i owed any debt. I sent them a certified letter proving this debt to me as well as the courts and demanding them to throw out this ridiculous case out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Fraudulent inquiry from Wells Fargo.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED

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 2022-06-08 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: SC

Complaint narrative:
Good Afternoon, EXPERIAN, XXXX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.

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 2022-06-08 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: NY

Complaint narrative:
Disputed twice with company yo being ignored. Called every one of these inquiries to which told no info on me and contact agency reporting. 
Attached is last letter sent.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
When I started college in the fall of XXXX my mom informed me she would open a credit builder loan to build my credit and a credit card for emergencies. The credit card was in my possession for a few months and then my mom took it in her possession that same year ( I do not remember why or how ). About 6 years later in the fall of XXXX, my mom proposed me trading in my car, during that time my boyfriend wanted to as well, his credit was not good so she offered to add him as an authorized user on her credit cards. A few weeks later I was instructed to download the capital one app to pay my car note where I realized I had a credit card with capital one that was ran up thousands of dollars, when I confronted my mom, she got very emotional and was recently diagnosed with XXXX so I was not inclined to take action against her. She agreed to paying the monthly payments and even said she would pay them down with her taxes but that never happened. In the spring of XXXX, she filed my taxes with credit karma causing me to download the app and see another 2 credit cards was ran up thousands of dollars. Shortly after this, me and my mom had a big falling out, while she still paid the monthly fees, she was reluctant to speak with me about my credit cards and when and if she was going to pay them off. Fast forwards to XX/XX/XXXX, I have gotten many late payment fees and she is still using my credit card for small transactions such as XXXX, XXXX, and vending machines. I have tried to reach out and retrieve my credit cards but she has blocked my cell phone number as well as my social media accounts. Seeing as though I have never used my credit card, and have not had them in my possession since XXXX, I believe this debt is my mom 's responsibility and she should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NJ

Complaint narrative:
In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies Equifax and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX According with the fair Credit Reporting act XXXX  Account number ending in # XXXX has violated my rights. 


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

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



Sincerely, XXXX XXXX XXXX : XX/XX/1990

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
6 months lease was completed as agree. Complex charged an extra month & stated a 30 day written consent was needed before moving. 

Rent : {$570.00} Collection amount : {$770.00} Last month of rent was paid as agreed. 
Account was removed from report multiple of times. 

NO LAW DESCRIBES WHATS A COLLECTION IS.. 

XXXX XXXX was sold to a 3rd party 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction XXXX XXXX violated my right to privacy by selling & giving my information to a 3rd part without my written consent. 

I never gave M.A.R.S INC written consent to furnish anything on my Consumer Report Acct : XXXX ( doesnt display full account number ) 3. 18 usc 8 : Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If such alleged debt do exist then by law it is obligation of United States not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have multiple accounts with Synchrony Bank providing me credit at multiple retailers. I have kept all of my accounts in good standing, always paying off the cards or making monthly payments on time. Out of no where Synchrony cut all of my credit limits to within {$20.00} to {$50.00} of my current balance. For example, Lowes. My Lowes account had a limit of $ XXXX. I had a XXXX balance and it was cut do a limit of {$150.00}. XXXX XXXX had {$8500.00} limit and was cut down to {$600.00} as I had a {$580.00} current balance. I have two accounts at Sams Club with this bank. I had account protection/security purchased but cancelled this during the first week of XX/XX/2022. They continued to debit monthly charges for this security and will not refund. Because of this both my Sams accounts have accrued these fees bringing both over the limit and am now being charged multiple fees every month. 
Multiple others as well, all in good standing. Because of this my debt to credit ratio skyrocketed and my credit score dropped almost 200 points. I have a car lease that is up this year. I just found out that because of my credit utilization so high and score so low, that I will not be able to purchase out my lease or lease a new vehicle. I was also working on getting approved for a mortgage on a property but that was cut as well. I understand Synchrony is taking this action on many card holders. Either lowering credit limits, or closing accounts. They have closed two of my accounts that had XXXX balances. I worked very hard to stay above water during the pandemic. I was unemployed for two years yet I continued to meet all of my monthly obligations and was never late or over the limit on anything. This is how I'm paid for being on time every month?? This has caused me to miss paying other bills over the last few months and completely ruined me financially. Soon I will have no transportation and no options to turn to. I don't know what to do as I've never been in this type of situation before. Is there any help out there??

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 2022-06-08 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:
multiple inquiries & unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX 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 2022-06-08 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: NC

Complaint narrative:
n 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 non-monetary relief