vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Collection agency LVNV Funding was asked by me last year and on XXXX XXXX to send itemized transactions and my signature. I told them that I had been stuck up by gunpoint. LVNV stated that they only show 2 transactions that equal {$37.00} dollars. I asked how are you trying to collect {$1100.00}. I received a bill with no information but that my balance is {$1100.00}. I am faxing supporting documents to XXXX. Also on my credit it is showing that I opened up a new XXXX XXXX Account and I did not. 
XXXX XXXX reporting wrong amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I had SPS as my loan servicer for 15 years. I refinanced my loan in XXXX of this year and SPS was paid in full. I contacted SPS in regards to the unearned interest that is due to me by law. They responded that they were forwarding my letter to the proper department and I have not heard from them since. They are required by law to remit the unearned interest to me within 5 days. SPS has failed to do that or respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: GA

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, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, XXXX XXXX : XXXX amount {$170.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX {$170.00}. 
XXXX XXXX XXXX amount {$4000.00}. 
XXXX XXXX XXXX amount {$8900.00}. 
XXXX XXXX XXXX amount {$3000.00}. 
XXXX XXXX XXXX amount {$4200.00}. 
XXXX XXXX XXXX amount {$1700.00}. 
XXXX  amount {$100.00}. 
XXXX XXXX XXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  amount {$510.00}. 
XXXX  XXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction 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 explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: NY

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 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 Section2 : 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 reachable 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 2022-11-16 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX put late payments on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
For the past two weeks, I have been unable to access my business account with PNC Banking. I have called on numerous days and they are unable to provide me with a method to unlock my account. They are the worst bank in American! I moved all my personal banks accounts last year for the same problem. Still don't have access to my business account today!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I signed up Upgrade card in response to the attached promotion offer through XXXX XXXX. My card was approved XX/XX/22. I spent XXXX immediately and paid it in full XX/XX/22. After that I made some purchases and made a total XXXX on time consecutive payments. 
I called Upgrade several time, they confirmed to me I have fulfilled the promotion requirement and I will get the XXXX promotion credit. 
Now they told me I was under different promotion offer. The point is if I applied the different offer why don't they told me that while I called them after I spent XXXX. 
Besides, while I called them none of their agent told me I need to open their checking account and make 3 ATM card purchases. My checking account was open XX/XX/22, 2 months later. That is the proof I was not signed up the offer for XXXX credit after 3 ATM purchases. Otherwise I will not open a checking account 2 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I disputed this collection with Transworld Systems Inc and sent them a copy of the police report I filed with my local department and an identity theft report. Despite doing so, Transworld Systems Inc refuses to remove this collection from my credit reports. From what I've learned, it is a violation of the FCRA for Transworld to keep this fraudulent account on my credit reports after I've notified them that it is identity theft and sent an identity theft report and a police report. They are well beyond the 4 business days allotted by the FCRA as I notified them via phone, fax and email as of XX/XX/2022. They are damaging my personal credit, my reputation & denying me access to any new credit by reporting this fraudulent information on my credit reports. I have again attached the identity theft report and the police report for identity theft for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: PA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : From XX/XX/XXXX to now Bank : Chase Amounts : {$28000.00} on savings, {$18000.00} on checkings Complaints : 1. I am not receiving the fund 2. There's no XXXX on closure 3. There's no any update on my case since XX/XX/XXXX, when the money was cashed out into checks, as the mail they sent to me showed. We can't tell whether they are actively working on it. 

Whole Story : On XX/XX/XXXX, I was informed that my checking/saving accounts were to be closed by Chase, and they promised to send me the check within 10 business days. But as of today, they still didn't do anything yet, including asking me questions on any suspicious transactions they think, sending me remaining funds, or just providing an XXXX, etc. 

Actions I Tried : 1. Ask customer service 2. Ask banker in physical branches 3. Ask Chase complaint department All the three actions result in the same answer, that is they can not provide any update on this issue, and there's no way I can talk to the person whoever owning my case. 

Potential Cause : There were a few amounts of money transfer into my accounts might looks suspicious. They were from a friend 's friend, to pay me USD from XXXX I paid him. I didn't know why he divided into small amounts from different accounts at that time, but it seemed suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXXXXXX 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 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 XXXXXXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report. 

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 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Company Put multiple & duplicate items on my credit reports, they have never provided me with a signed contract or any validation of debt, dates are inaccurate and that the debt owed is owned by them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-11-16 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:
In accordance with the Fair Credit Reporting act 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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX

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 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: MI

Complaint narrative:
RGS Financial , INC. illegally obtained my personal information and now they are stating that I owe a debt in the amount of {$2800.00}. RGS Financial , INC. did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g RGS Financial , INC. must comply with validation request. RGS Financial , INC. threatened to report invalidated information that I have requested them to validate. RGS Financial , INC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.

Company response to consumer: Closed with explanation