vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I was sent a bill from XXXX that was for someone with the same name through Frontline Asset Strategies , LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of last year my Bank of America savings account was compromised by fraud. This was a retirement savings account and I had very little activity on my part. An occasional withdrawal for taxes or something. I was notified that they were going to start charging me because of excessive activity that month. I looked at my account and saw that several XXXX transfers were made, cash withdrawals and online bank transfers were made. None of theses were mine. I have spent hours and hours on the phone with BoA. I contacted the Washington State Attorney General and they were involved. After 9 months I finally received what BoA considered to be the last of the monies paid back to me. My problem is {$2500.00} is still owed me. In the accounting they did two charge backs on the account. They should have only done one and I am short {$2500.00}. Ive spoken to several people on the fraud phone line and went over it with them. I was told they would report it to their supervisor and the {$2500.00} check would be sent to me in 10 days. I keep waiting and nothing. 
According to my account statement its clear what my beginning balance was. 
With the four checks I have received totaling {$22000.00} I am still missing {$2500.00}. That is the charge back money that they still owe me. They consider the case closed because the stolen money was paid back. The other {$2500.00} is an accounting error on their part and they refuse to address it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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. 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  : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : 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 explanation
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
Equifax is reporting two accounts incorrectly. They should be removed from from credit bureau report with their agency. Also I have been calling since the beginning of the year and they have some kind of block on my account that prevents me from accessing it online. I have called many times with a promise of a call back that never happens. The two inaccurate accounts are : XXXX XXXXXXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( EXPERIAN, XXXX, and XXXX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: PNC Bank N.A.
State: IL

Complaint narrative:
Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following accounts.

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 2023-05-18 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: TX

Complaint narrative:
About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( 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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Money was removed ( XXXX ) on XX/XX/XXXX, from my bank account and sent to a merchant I no longer was doing business with and I discontinued recurring charges to my account from ALL the merchants I did business with through PayPal. The transaction was done through PayPal who refuses to take responsibility and blames the error on the merchant claiming it was basically business as usual. I filed a complaint on PayPal 's website and only got a lame bot response that nothing was wrong with the transaction ( despite the fact I talked to numerous customer service agents and indicated I did NOT authorize the transaction ). I submitted screenshot of the transaction as well as emailed correspondence to the merchant openly admitting that we no longer have a business relationship and despite that evidence, PayPal 's bot decided against me not to refund my money. One customer service rep admitted that merchants routinely take advantage of the loophole that allows them to reinstate recurring payments, without the customers knowledge, basically using PayPal to ROB consumers and leaves the entire process of getting the matter resolved up to the victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I was contacted by phone and text from XXXX XXXX XXXX about an XXXX XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. XXXX XXXX - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax furnish this information. 

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XXXX I sent a letter asking for validation for this collection I was responded by the company with some papers from the original creditor I then requested them to validate that I am obligated to pay them as a company they have yet to supply me with the documents that I asked for which was Name on file of alleged debtor : Alleged Account # : Address of file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? No Yes Amount paid iT debt was purchased : Commission for debt it collection eftorts are successtu : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this allegea debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pav Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open Have any insurance claims been made by any creditor regarding this account? ( ves, No ) Have and judgements been obtained by any creditor regarding this account? ( yes, no ) Please provide me the name and address of the bonding agent for Collection Company Name, in case legal action becomes necessary Date Creditor.

Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transter agreements. which would establish vour rights to collect this alleged debt within 30 calendar days from the date of receipt of this letter. They Have yet to provide a contract showing proof that I am obligated to pay them. I have never signed a contract with NCS and I am asking them to provide proof to me that I am obligated to pay them and that they have rights to take this debt they keep responding with information that isnt the information I am ASKING for I AM NOW asking this account to be deleted off of my credit report within fifteen days and I will suing for 1000 for each inaccuracy that was made upon this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( XXXX XXXXXXXX XXXX # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( Equifax XXXX # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all 3 bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on XXXX and XXXX  reports. Verified as inaccurate by Equifax, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX XXXXXXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Acct Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # {$670.00} Date Opened XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX 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 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 2023-05-18 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. 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, 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 response to consumer: Closed with non-monetary relief