vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: MD

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.

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 2024-06-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
I had created a payment agreement with an Attorney from Glasser & Glasser ( place debt was transferred to ). This agreement was the 2nd agreement made prior to the court date. The first agreement defaulted, I was not aware that Glasser does not accept accounts that are linked to a prepaid card so the payment withdrawal kept cancelling after the payment defaulted. This happened a few times so they continued the trial for XX/XX/XXXX. I could not reach anyone till day before trail. 

All of this was last minute but I created the 2nd agreement with an attorney to avoid judgement in the trial that I could not attend. Glasser & Glasser sought a judgement and I was told the Attorney was aware of the previous agreement but they did not share that. They never sent me a notice for the 2nd agreement made XX/XX/XXXX. What they gave me was a proposal document that they claimed was made by me and an attorney after the judgement. They did not note my first payment in the notice and just put next scheduled date as XX/XX/XXXX. On the next page it states a payment was already made but it does not acknowledge that the agreement was made XX/XX/XXXX. 
Instead they put the date agreement was made. 

I have been asking for the original 2nd agreement and each time I ask for that they tell me someone will get back to me regarding that. They asked me about my payment for XXXX and continue to ignore my request to speak to someone regarding the agreement made XX/XX/XXXX. I told them I can't continue paying because they made a new agreement after the court date without consulting me on it or sharing that they canceled out the agreement made XX/XX/XXXX. I spoke to someone last week and I was told that an attorney called me XX/XX/XXXX to complete an agreement. I told them an agreement was already made XX/XX/XXXX and I need to speak to someone on why a new agreement was made without my permission It looks like they lied when the 2nd agreement was made but I have proof of payment being on XX/XX/XXXX, which is the day me and Rep I spoke with agreed would be the first date of payment. Every Time I've reached out to Glasser & Glasser regarding this they told me someone will call me back regarding the issue but never get a response. I've been requesting for them to file a motion to vacate judgement based on an agreement previously made. Instead of telling me " no '' or its " not possible '', they have given excuses as to why they have not responded to my motions to vacate judgement. My motions and request has nothing to do with them filing a request to cancel. I've confirmed with 2 reps the date of the 2nd agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: MI

Complaint narrative:
In violation of FCRA 15 USC 1602p, this company is using my alleged credit report for an unauthorized purpose. They have furnished my alleged consumer reports with false unverified information, hurting my ability to access my use of consumer credit. They have not provided any proof of an actual inquiry. They've stolen my information to use it to damage me.

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I called on Saturday XXXX to close my accounts. This was a savings and checking account as I didnt want to receive any fees on either. This bank has put a hold on funds till the XXXX of XXXX for a {$100.00} deposit. This is ludicrous business practices as Ive been a customer for over XXXX yrs. I had also tried to deposit a payroll check and was told it would be held a week as well. ( Been direct depositing this companys checks for a year ) .Due to all my deposits being placed on hold I was told by a boa customer service rep I would have to call back on Monday to close the checking account due to the {$100.00} deposit being on hold till the XXXX! They refused to close the checking account and want me to call back Monday where I will be on hold for an hour or longer. I do not have the time to chase these people for an account closure! Close this account and refund my {$100.00} deposit when they get enough interest off of it on the XXXX! It should not be this difficult to close an account. Will never do business with them again.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid XXXX XXXX XXXX via Venmo {$60.00} on XX/XX/year> and {$360.00} on XX/XX/year>. The vendor performed the service incompetently and damaged the products I had that he was hired to install and caused additional damage to my vehicle which cost me additional $ . I tried repeatedly to get the vendor to pay me back but he refused. XXXX XXXX XXXX has an XXXX  account and I found him advertise his business via XXXX XXXX and XXXX. 
I filed with the XXXX  ( Case # XXXX ) and the vendor didn't respond to the complaint. 
So I disputed with Venmo and they told me that the individual was operating a fraudulent account but that they would not refund my money because I should not have trusted him. I tried to dispute with my bank but they stated that I needed to dispute through Venmo. Both Venmo and XXXX XXXX  agree that I was defrauded but no one will refund my money. Venmo claims that they shut down his fraudulent Venmo account but that doesn't help me recoup my losses. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ). 

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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.

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 2024-06-22 00:00:00
Product: Credit reporting 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:
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.

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
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
In violation of FCRA 15 USC 1602p, this company is using my alleged credit report for an unauthorized purpose. They have furnished my alleged consumer reports with false unverified information, hurting my ability to access my use of consumer credit. They have not provided any proof of an actual inquiry. They've stolen my information to use it to damage me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/year>, I went to forever 21 and they misled me and opened a card without my consent, and when I asked how do I cancel they told me to XXXX it and that I was on my own, and that it wasnt their problem. I asked multiple times if I was opening a credit card and the cashier assured me it was not a credit card but a rewards card and said The credit card and rewards card are two different things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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:
There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, Equifax, XXXX are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, Equifax, and XXXX have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX COMPANIES, which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, XXXX, Experian are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, XXXX, and Experian have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX  Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ). 

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-06-23 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
Ive recently checked my credit report and I notice the inquires that I reported last year that was removed are back on my credit report, I called and that stated that they are not on there but when I did my update for that month they where on they and they are hurting my credit score.

Company response to consumer: Closed with explanation