vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: NJ

Complaint narrative:
I reviewed my consumer report from XXXX, Transunion XXXX XXXX and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by Transunion, XXXX or XXXX when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.

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 2023-03-03 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:
I reviewed my consumer report from Equifax, XXXX XXXX XXXX and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by XXXX, Equifax or XXXX when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

Complaint narrative:
I reviewed my consumer report from XXXX, XXXX XXXX Experian and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by XXXX, XXXX or Experian when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Lexingtonlaw.com - charged me fees without sending any kind of notice. There was no email, phone call, letter, nor text message about these fees being applied. I only discovered them upon checking in the web portal account details. When I first chatted in about the fees, an agent agreed to refund the most recent two, and that a manager would call me back. Well, that never happened. Then the next few times I called and text messaged in, they refused to issue any refunds. 



Invoice # Date Status Description Amount XXXX XX/XX/2022 PAID Monthly Subscription Fee {$23.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$8.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$45.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
I had my loan modified because of Covid. Then lost my job. I called 4 month 10 days would not allow me to do a payment XXXX have found a job I and make about XXXX a month. When I called on XXXX XXXX. They told I was denied I could not make payments. She was not willing go, over financial. She could not even how much the payment would be. I know modified the loan XXXX of XXXX. I am willing make payments if someone would allow make payments. The company is Carrington

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday XX/XX/2023 at XXXX I attempted to deposit {$1300.00} in cash at the ATM within the Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. The ATM accepted my money, but then presented an on-screen error message stating the transaction could not be completed, and printed a receipt ( attached below ) stating to call the Chase customer service number. It did not return me my money. I checked my account to see if the deposit had completed, however there was no record of it in my account. I called back on Monday XXXX/XXXX/2023 at XXXX, to open a claim about this. The operator stated the money would be credited back to my account, but 3 days later I heard nothing back, and no money was put into my account. Today, XXXX/XXXX/2023, I called back at XXXX to check up on the claim. Both the operator and supervisor informed me the claim had been denied after an ATM audit showing no record of the money, and that they could bot return me the {$1300.00}. I am planning on contacting the XXXX tomorrow to subpoena the ATM footage showing proof of the money being deposited. I have so far received no money from the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts 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 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are addresses that are inaccurate in my file. Kindly remove them right away. 
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 These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are addresses that are inaccurate in my file. Kindly remove them right away. 
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 These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.

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 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything. 

Have receipt off hospital Pictures of medical And bankruptcy That's phoenix financial services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Pictures available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
The issue involves an interest charge of {$160.00} with USAA VISA. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX  Bill Pay submitted payment for {$11000.00} on XX/XX/2023 on my behalf to USAA VISA. According to XXXX XXXX XXXX  the payment was delivered USAA VISA on XX/XX/2023 ( confirmation # XXXX ), before due date of XX/XX/XXXX. 

On the XX/XX/2023 USAA statement, I was charged an interest fee of {$160.00}. Discussion with USAA VISA revealed that they held the check and delayed acknowledgment of receipt until XX/XX/XXXX, resulting in the interest charge on a 'late payment '. 

My understanding is that this may represent a violation of XXXX Payments ' of CFPB, ( a ) General Rule, and ( c ) Adjustment of Account.

A fair resolution would be for USAA VISA to remove the {$160.00} interest charge as they received a payment of {$11000.00} on XX/XX/XXXX but delayed deposit until XX/XX/XXXX, after the due date. 

USAA VISA offered a courtesy credit of {$25.00} but I do not feel that this action is acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-03 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:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AFFIRM- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX  account 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 2682 section 604 A section 2 : it also states 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 2023-03-03 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: MD

Complaint narrative:
This XXXX account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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

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