vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. XXXX This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I called XXXX XXXX XXXX and spoke with someone on XXXX  about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/ I get this certified letter from them about they will sue me if I dont pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXXXXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 2023-06-10 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: TX

Complaint narrative:
XXXX XXXX  XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: NY

Complaint narrative:
Transunion has failed to remove government loans from my credit profile. I have sent them XXXX and XXXX paperwork as proof of loans being paid however they still fail to remove off my credit report. 

I applied for a housing program and was denied. Please view documents of loans on my credit report and the loans paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
good afternoon, the entity rooms to go closed my account affecting my credit score XXXX, first I had a delay in the card and I paid them with interest, which meant that instead of improving they lowered my quota from XXXX to XXXX, charging an amount of interest and this month that I did not make the payment on the XXXX to the XXXX, they arbitrarily closed my account. It doesn't seem fair to me that they obstinately complicate my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
Delete Hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: AZ

Complaint narrative:
XX/XX/XXXX I purchased a NetSpend debit, this was to help me purchased student Bus Pass which was subsidized by the University, I needed the Pass before the spring semester break. But the ACTIVATION of the card became problem. XXXX spring semester I purchased similar card and an account was opened with the assistance of an agent and after using the card I destroyed it, because I did not intend to keep the card. Little did I know that the account was still active without any activity after a year, the home address I used I believed was my campus housing address in college, but I still have the username and the Password. I tried activating the card but it did not go through just by filling in my name, I have a popup notice to call the customer service, and I did called and I was told that, there was a restriction on my card and the activation needed confirmation that it was me. I sound stupid, and have no sense in the request. I asked if the debit card originally has a problem and the answer was no, and if it was a new card, why was it having trouble to activate? They could not provide me with any legitimate reason. I explained that the previous card was discarded because my intention was only one time use. They are requiring my social security card and my state ID, I provided my student ID, my employment card ID, and Bank Card bearing my ID, but they are not ready to activate my card. 

I made more than 30 calls up to now, today this was my third call. If the card doesn't have any problem previously then why would it be a big deal activating the card. 
Date purchased XX/XX/XXXX, amount {$85.00}. Purchased it from XXXXXXXX XXXX XXXXXXXX store, XXXX XXXX XXXX, store location address : XXXX XXXX XXXX, phone number XXXX. I have the receipt. I don't see any trouble in activation, I since have contacted XXXX corporate office and they see why they can " activate my card. The number of days they kept the card needs interest on the amount. Ket sound more of scam. 
Thank You. 
For any further assistant please contact me through this same email address or call XXXX 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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery keeps calling my Number! Ive asked them in the past and recently, repeatedly to stop calling and they will not respect it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
After loosing my wallet at the end of XXXX with all my identity cards such as drivers license, social security card, credit cards, debit cards and residency card inside of it, I had a lot of hard inquiries and credit card showing up under my name. I contact those companies to try and cancel them but they wouldnt help me at all, I even filled dispute over them all but there still wasnt removed. I just learnt from a coworker about this website that might be able to help me clear them up. I am giving another try. Thanks for your assistance. Collections and charge offs are listed below. 
-Midland credit management {$630.00} and {$3500.00} -NCA {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citibank recently pulled a credit report on me without my consent which is illegal and reduced my credit limit across all XXXX cards with them by XXXX without notice leaving me little to no credit for recurring bills and essentials like gas and ezpass and even medical care for my XXXX that goes on these cards. Because of this very drastic change without notice I was not able to financially plan well. Additionally, my credit score had recently increased and my income has significantly increased since completing school and starting a new job in XXXX. So their decision doesnt even makes sense. I made XXXX calls with XXXX recourse offered and was even hung up on, except to read the letter coming in the mail. Statements that had even closed on XX/XX/08, XXXX  days ago still stated my old limits. Reasonable notice should be mandatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: CarMax, Inc.
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Uplift, Inc
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Great American Finance Co
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

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. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-06-10 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: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Between the time of XX/XX/XXXX and XX/XX/XXXX my mortgage was sold to another company ( XXXX sold to PennyMac ). During this same period I was in the hospital with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( due to damage from XXXX treatment ). I was XXXX XXXX XXXX XXXX XXXXXXXX transplant and in and out of consciousness. During this time my wife began taking over all bills and gaining power of attorney. Unbeknownst to her as well; was the fact that the mortgage had been sold. At some point in XXXX she realized she had not received a statement/bill. She called XXXX XXXX XXXX and found it had been sold to PennyMac. She called PennyMac and found our mortgage was in arrears because the bills had been sent to the wrong address ( not our address of XXXX years but the address of the new mortgage where she was not residing. ) She immediately contacted our XXXX XXXX XXXX XXXX and XXXX XXXX at ( XXXX XXXX ) and initiated a wire transfer to put the account up to date, at the same time spending at least XXXX hours on XXXX different days Between XXXX XXXX on the phone with a gentleman named XXXX from PennyMac who was initiating foreclosure. I continuously asked him to look at the wire transfer number and he made no attempt. Finally, I asked him to allow a XXXX way conference call with our advisor ( XXXX XXXX ) from XXXX XXXX, and when the finance XXXX asked him to look at the transfer number, he found the XXXX had been put into the wrong account. They finally corrected the matter a few days later. Since then ( over a year and a half ) we have received calls daily from debt relief robo calls, and they do not stop, even though we are actually ahead on our payments by several months. We have called several times including today ( XX/XX/XXXX ). and asked that they update/correct the information on the credit report and they said they would have to send it to their research department and they would not update it. This is affecting our credit score. We would just like them to update and correct the information they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I opened a Chime account on XX/XX/XXXX and was able to login and do everything. I initiated the first deposit and shortly after received an email from the company that my account was locked. I had previously verified my identity by submitting the front and back of the drivers license. 

Yet, they wanted this again so I took another photo with my phone of the drivers license, social security card and a utility bill. 

They then keep coming back stating they need a clearer picture with different background. I even uploaded a photo using a flatbed scanner at XXXX and all were perfectly readable. They are fraudulently stating that they need clearer photos and refuse to unlock my account. 

I want to be able to get my money out and can not do so while the account is locked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. All account listed on our consumer report, and mentioned below have violated our federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, XXXX, XXXX, Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States We have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without our written instructions. 15 USC 1681 c ( 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 conviction of crimes. We request written authorization by us providing you authorization to use and share our information, if not you must remove. This is a XXXX act violation and identity theft. We hope you will operate with honor, full transparency and stop causing injury to us. We reserved all of our rights without prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX, Bank of America did an offset on my Bank of America Bank account of {$3800.00} to pay a past due Bank of America Credit Card. 

They left me with pennies to make it through the month. The {$3800.00} was my mortgage and monthly bill money which I now can not pay. 

I called Bank of America pleading with them to not do this. They said they have the right to take my money as they did. 
I felt so sick inside, ready to pass out of fear not knowing what to do with Bank Of America cleaning out my account as they did. 

I explained to them that I hired XXXX XXXX XXXX XXXX months ago to help me with my credit card debt and was sure they had reached out to Bank of America regarding my debt. I told them I was not ignoring them and I did reach out for help. 
Bank of America did not care about anything I had to say. The representative of Bank of America were terrible. Out of desperation, I did email the CEO of Bank of America, but as expected no reply. 

I do not know how I will make it through the month with what happened and I am so scared of falling into further financial hardship which is already happening. 
I am hoping you can please help me. 

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