vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions These credit bureaus always validate information and do false investigations These two accounts are fraudulent and are not mine. I have wrote the credit bureau over and over and nothing has been done.

Also these 8 inquiries were not done by me!! 
I have the police report number

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 2022-10-18 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: DC

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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX BXXXX 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 the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-18 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: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
# XXXX Sunrise Credit Service XX/XX/XXXX open account hit my credit report XX/XX/XXXX Amount {$560.00} for a XXXX  account. 
When i reached out to Sunrise Credit Service they tried to sell me a service to restore my credit. XXXX couldn't give me any help because it was in collections with Sunrise. Owner of this account is from Texas. 

# XXXX XXXX {$2200.00} for a wire line account, hit Credit report XX/XX/XXXX XXXX fraud was notified XX/XX/XXXX and waiting on their reply. XXXX take XXXX business days. 
Owner of this account is from XXXX New Jersey. 

I have never lived in either state, never open any accounts with XXXX. We had in XXXX 's had a XXXX account I believe, it would have been a cell phone account for XXXX or XXXX  years.

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 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX turned my diagnostic billings over to a collection agency -Credit Management sometime in XX/XX/XXXX. 
A payment plan was agreed to by XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. Payments are acknowledged on XXXX XXXX XXXX XXXX invoices but the collection agency continues its notices to collect. 
I advised Credit Management of the payments, provided them with copies of checks showing they were cashed and deposited by XXXX XXXX XXXX XXXX. 
Calls to XXXX XXXX XXXX XXXX shuffle me to Credit Management and Credit Management has not acknowledged receipt of payment copies or resolution of collection. Submitted check copies XX/XX/XXXX and XX/XX/XXXX with explanation. 
I have requested a statement showing all charges, insurance payments and my payments to XXXX XXXX XXXX XXXX with no response. 
I will continue to make payments until my account is closed but need to know the actual balance via statement and audit of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sirs. My name is XXXX XXXX, Writing you a compaint on behalf of the company XXXX XXXX ( XXXX XXXX ), based in XXXX, XXXX XXXX. We are tourism company ( outbound touroperator ) sending tourists abroad, mostly to XXXX. Our web site is XXXX, we do our job since XXXX. 

The account of XXXX XXXX was opened and used for money transfering in XXXX Bank XXXX XXXX of XX/XX/XXXX weve sent from the account of our company XXXX XXXX in XXXX XXXX ( XXXX ) the amount of XXXX XXXX dollars ( XXXX ) to our partner XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) with a payment for hotel accomodation. XXXX XXXX is JP Morgan Bank ( XXXX ). At the XXXX of XXXX this payment was rejected by XXXX Bank and since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests After XXXX of XX/XX/XXXX XXXX Bank became useless, be cause it got in Sanction List of USA. 
Weve opened account in XXXXXXXX XXXX  to continue our operatinal activity and decided to send summ of US dollars to our new account XXXX XXXX  ( transfer of own funds ) XXXX of XX/XX/XXXX XXXX sent from the account of our company XXXX XXXX in XXXXXXXX XXXX XXXX  XXXX ) the amount of XXXX US dollars ( XXXX ) to our companys XXXX XXXX new account in XXXX XXXX XXXX  XXXX ) - TRANSFER OF OWN FUNDS. XXXX XXXX is JP Morgan Bank ( XXXX ). Since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents also you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests Dear Sirs we are kindly ask you to assist in the refund of funds and influence the bank with refund of our funds or to provide exact information of blocking the funds, so we can aply for XXXX license. We are ready to provide different bank accoount ( ex. XXXX XXXX ) to transfer blocked amounts to a Bank, which is not in sanction list of US or XXXX. We guarantee, that our company XXXX XXXX is not in a sanction list of any country and not connected in any way or any type with crimea, XXXX XXXX or any similar territory Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I made purchases at XXXX using the Zip ( formerly Quad Pay app ), I made returns on some, and Zip continued to take installment payments out of my checking account on these already returned items. I have asked them over and over to look into this and fix it. It has been a whole run around. 
Then the representative XXXX told me over and over that, I can open up a new account if I allow them to close the current. Did so, and tried to open a new account, but the system didn't let me, I let XXXX ( Zip ) know right away, ... .. no response, totally gone. 

https : //zip.co/us Zip Pay still owes me money. 
R

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDXXXXXXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/2021 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

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 2022-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/2021 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX -XXXX  XXXX XXXX  : XXXX  Date Reported : XX/XX/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 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Repeated calls all hours of the day and night suggesting that I owe money if I dont pay they will take matters further I am sick just had XXXX XXXX and have tried to resolve this matter but they will not leave me alone the account is closed and has been sold to these people now they act like I owe them thank you

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC

Complaint narrative:
I have written to your company before with my thoughts. Your company isn't any kind of legitimatecredit keeping agency. You do not represent anything that even closely represents a fair and an accurate picture of one 's financial health. What you are is a Credit Card Sales Company. Credit Karma is a CONSPIRACY, not a company, to XXXX people into buying one of their suggested credit cards, too numerous in this dispatch to mention. The algorithms used to calculatea client 's supposed rating are basedon nothing but how often he/she takes advantage of one of their offers and how deeply one gets themself in debt with said card so that the credit card companies get the wind-fall profits on the criminal interest they charge whichCredit Karma get a hefty slice. There is no effort on Credit Karma'spart to paint an accurate picture of a card holders true financial health, only how many cards they buy and how deeply they get into debt with them. 
In addition you carry information that is thirty years out of date and since there is no provision to update on your site the problem goes unchecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: IN

Complaint narrative:
On XX/XX/2022 there was a fraudulent attempt to open a credit card from company XXXX XXXX XXXX to Experian credit bureau 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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is based on the bank that CREATED the problem by Bank of America transferring my account and balance to a NEW bank ( XXXX  ) that has failed to provide a card, and a way to access my account to pay the bill which was transferred to the new bank. I understand that XXXX is the bank that failed to do its job HOWEVER Bank of America was responsible for doing this without our agreement ( it is a joint credit card ) and putting us at risk. I will be unable to pay my bill because I don't have the card after repeated promises to that effect nor do I have access to the account OR a bill since I can not create an account without a card number and they will not provide the account number over the phone. I am very concerned what this will do to my credit rating. I have excellent credit and am beyond worried about what this will do to my credit. I always pay my bills on time and will suffer consequences out of my control that occurred by the actions of Bank of America. On the next page I will provide the account number of the card I HAD with them but the account no longer exists. I no longer exist.

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 2022-10-18 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I called Aidvantage to request my Parent Plus loan be refunded for the payments I made during Covid ( since XX/XX/XXXX ). I have called several times to request status on my refund. As of today ( XX/XX/XXXX ), my Parent Plus loans have not been refunded.

Company response to consumer: Closed with explanation