vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am not liable for this debt with XXXX XXXX OF XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. Duplicate Accounts XXXX*Amount Disputed : {$53.00} demand this account to be deleted on my credit report.

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 2022-09-10 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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 Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a payment to Synchrony for the full balance of my Amazon Store Card managed by them. On XX/XX/2022, Synchrony processed the payment but failed to update the available credit of the card as described in the card agreement. In fact, the available credit of the card did not change even after the payment had fully processed on the XXXX of XXXX. 

I contacted Synchrony via live chat. A supervisor insisted there was nothing they could do, and it would, in fact, take until the XXXX for the available credit to be updated. I informed them this was unacceptable and contrary to the card agreement, but they insisted there was nothing that could be done because the payment was 'on hold. ' When asked to release the payment from the hold and update the available credit, they refused. 

Nowhere in the card agreement does it state Synchrony may make the arbitrary, capricious, and unilateral decision to refuse to update the available credit balance after they have already taken and processed a payment. In fact, it states synchrony must act in good faith at all times.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 {$600.00} was sent through XXXX  to the email XXXX with XXXX name : XXXX. Money was sent due to a hacked XXXX account of my friend 's. Actual friend did not receive any money from this transaction due to fraud account. My bank is Chase Bank, XXXX XXXX XXXX, XXXX XXXX. I called the number behind my chase debit card ( XXXX ) and also had the teller at chase call for me. They said they could not give me back my money due to my initiation of the transaction. They said XXXX is a third party and they have no way of receiving back the money. The call that my chase teller was on said that because I was willing to send the money they can not help me and that they don't deal with scams. Only action that is being taken is an investigation of XXXXXXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX with GAP coverage. I refinanced the vehicle to another lending company due customer support issues with BoA. I have not received a refund for this GAP coverage and the dealer & lender are giving me the run around. This GAP coverage needs to be refunded as the timeframe to legally process these refunds has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2019, Capital One reported a charge-off of {$1600.00} to XXXX, XXXX XXXX This WAS NOT a case of my writing checks against my account. Capital One deleted an external account that was used to transfer funds in to my Capital One account. I had a number of automatic payments to creditors set up. Since Capital One deleted the external account, I was not aware that my account had not been funded. I had no way to fund my Capital One account without that external account as I was not anywhere near a branch. In spite of a low balance, Capital One kept drafting my account to send out payments to these creditors, knowing there wasn't enough funds in the account. After repeated attempts to resolve the issue, Capital One agreed they were in the wrong but would only reimburse two of the overdrafts. Additionally, since this occurred, Capital One changed their policy and no longer charge overdraft fees yet I am being reported to XXXX for a policy they no longer enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
This account is not mine. I was apart of a data breach in 2008 with someone using a similar name to take out student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
XXXX - THE MONEY SOURCE wrote me a letter on XX/XX/22 saying that the insurance coverage they ordered on behalf of my property at XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX has been cancelled. They requested that my insurance agent provide proof of insurance. Then they followed up with another letter requesting me to provide proof of hazard insurance. Because my insurance was impounded with my mortgage. I contacted my insurance company - XXXX XXXX XXXX XXXX. Both of us got on the phone with XXXX. During the phone conversation, we found out that XXXX mistakenly sent the insurance payment for XXXX XXXX XXXX to the wrong property XXXX XXXX XXXX. As we were researching on this, we found another error that the previous payment was made to yet another wrong property- XXXX XXXX XXXX st. XXXX XXXX CA XXXX. 
At this point, the operator we were speaking to hung up. We couldn't figure out how this company carelessly picked up these other properties which belonged to me but was with other Lenders and was making insurance payments on them instead of the XXXX property they were supposed to make payment on. 

Later on I found out that instead of correcting their error they put the overage on me. 

I have called them and informed them to correct their error. Contact the lenders of the properties they mistakenly paid my insurance to by error and fix their mistake instead of trying to make me responsible for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 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 2022-09-11 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Creditors Service, llc
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX from Cascade Creditors Service LLC in XXXX, WA contacted my husband and me about an alleged bill for {$1500.00} from XXXX XXXX of XXXX XXXX a general contractor in XXXX XXXX, from whom we requested a bid for a project but the bid was never received, and no contract was generated so was never signed. My husband spoke with XXXX XXXX and explained the situation and she seemed to understand that because no contract was signed and no work was done that we didn't owe the money. Nevertheless XXXX XXXX sent us a demand letter with {$35.00} of interest tacked on bringing the alleged debt amount to {$1600.00}, and saying the amount was already past due. On XX/XX/2022, well within the 30 days allowed, we sent a response letter via USPS certified mail to the po box mailing address provided on their envelope and on their website, but the letter went unclaimed in their po box and USPS returned the letter to us. In this letter, among other things, we requested that they provide proof that we owe this debt, copy attached. We then emailed a copy of the letter and returned envelope to them at the email address provided on their website but received no acknowledgement We then XXXX 'd the original letter to them at the physical address provided on their letter and on their website but per XXXX  they refused the XXXX  delivery so XXXX retained our letter as we had requested a signature as proof of delivery, tracking information attached. Just today, XX/XX/2022, we finally received another letter via USPS from Cascade Creditors Service LLC, apparently they HAD received our email but they never replied to the email saying it was received. They did NOT provide proof that we owe this alleged debt yet sent another bill, this time for {$1600.00}. We suspect that Cascade Creditors Service LLC is a fake debt collector as they are attempting to collect fraudulent debt and didn't comply with the simplest request of proof of debt. If they are not fake, they do not behave in an ethical manner, and are potentially breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX have violated my consumer rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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 Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX have violated my consumer rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax is reporting inaccurate late payments on my credit profile from companies such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX during XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 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 Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX have violated my consumer rights. 

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

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

Company response to consumer: Closed with explanation