vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An account was opened on XX/XX/ with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.

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 2023-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 any purpose. 

XXXX Account XXXX XXXX Bank of America ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX XXXX XXXX ( secured loan ) Account XXXX XXXX Acct XXXX XXXX, Acct 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 explanation
Consumer complaint received 2023-07-25 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: Self Financial Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

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 any purpose. 

XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX  ( secured loan ) Account XXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX, Acct XXXX XXXX, Acct XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I made a dispute to transunion about the inaccuracies on my credit report .during the 30 days the creditors has not notified me of The debt they are claiming I owe.the agency are in violation of 15 usc 1692g and reporting these accounts are in violation of 15usc 1681 a ( 2 ) ( b )

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
Calling everyday and hanging up when I answer. They do not leave a message when I don't answer. I have never been harassed like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TX

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 2023-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
fraudulent use on my TRUIST debit card for $ XXXX XX/XX/XXXX and XX/XX/XXXX XXXX truist denied claim saying one of the transactions used my PIN therefore the transaction was authorized which it wasn't there were numerous suspicious transactions on those dates i would get an alert from truist did i make this transaction and i responded NO.When i spoke with TRUIST today to inquire about the status of the investigation they told me it was denied and that I needed to prove it was not me making those transactions I spoke with several people in the fraud department at truist and no one was able to tell me how I was supposed to prove it wasn't me. I live in XXXX and was at work on the XXXX. The transactions were made in XXXX NJ. I've never been there never heard of it

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 2023-07-25 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: Payfare International Inc.
State: CA

Complaint narrative:
This issue has been going on for so long. My money was stolen from my account from payfare company. They emailed me stating that my temporary card was added to and token wallet. I dont even use any of that. The card they said they would send me never arrived. I need my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This service being Credit Collection Services contacted me back in mid XX/XX/XXXX and beginning of XXXX. With speaking to both myself and Spouse, we asked to contact through mail only. Creditor threatened to have my driving license blocked and wages possibly garnished. This creditor was advised debt was to be cleared due to inpatient stay and this expenses paid by Veterans Administration along with others, due to being a 100 % XXXX veteran and being inpatient for military injury. This debt is not owed by consumer. Payment was made to clear debt in XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had an account with Citi Bank in the past, and now just applied for the Citi XXXX credit card, since my credit score according to my XXXX XXXX XXXX reported an excellent score of XXXX. The credit application was denied, however, and the letter stated that my credit score was XXXX, XXXX points below the actual credit score. Citi customer service told me that they use XXXX to calculate scores. I created an XXXX account and found out that the {$14.00} currently charged on my active XXXX card was represented by XXXX as a negative debt, and my student loans ( Dept of ED and XXXX ) from eight years ago were still listed as having been settled at less-than-full-balance, but were actually paid in full as part of a prior CFPB complaint. That complaint was related to a XXXX XXXX I had as a student and which the student loan department refused to give me an accommodation for the XXXX I developed, and so trying to file the corrections on the credit report is causing me to XXXX XXXX XXXX XXXX XXXX and I request accommodation for my XXXX by having those student loans marked as paid-in-full without me having to deal with the student loan company that discriminated against me. The XXXX XXXX line of credit was also settled in my favor through another CFPB complaint and I would like that complication to be disregarded from consideration of the XXXX card. 
Ultimately, I believe that my past, entirely positive credit history with Citi bank, my active XXXX card, and the eventual payment of all my debts due to complications beyond my control, and my correct credit score of XXXX means I should be approved for the Citi XXXX card.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I sold some stock with XXXX XXXX, {$77000.00} and deposited a check from my XXXX XXXX account, {$45000.00} into my M & T checking account which bounced. Called XXXX who told me that my check writing account was frozen by me which it was not. The woman I spoke with was able to turn it back on so I could write checks from XXXX. I then deposited the whole {$77000.00} into my M & T account last Wednesday XX/XX/XXXX. M & T Bank has completely froze my account per their financial crimes people. I know that XXXX has released the money but M & T is investigating like some kind of fraud has happened. Besides that $ XXXX I had just shy of {$10000.00} in that account and now the checks that I wrote to pay bills are bouncing which is going to ruin my good credit. I tried talking with their people doing the investigating but they refused my phone call

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 2023-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Recived a scam call not knowing at the time, called themselves the police department and told me they needed me to pay for a bail because I did not show up to court which was all a lie. They had me take out {$10000.00} in cash, I paid about {$4000.00} to this person through cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
I need to document this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance.

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 2023-07-25 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: CA

Complaint narrative:
Unauthorized & unrecognized inquiries on my credit reports XXXX  XXXXXXXX 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 2023-07-25 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX of 2023 I discovered that a checking account was fraudulently issued to me by Bank Of America. I am not nor have a ever been a BOA customer.

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 2023-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing in the hopes you can help me resolve an issue I have. I have an account with XXXX XXXX. This account was set on autopay in XX/XX/2023 unknown to me the autopay had a security issue which I was only made aware of in XX/XX/2023 at that time I got the account bought current and got the issue cleared up so no other issues would occur. Since this wasn't a matter of me just not paying only me not being aware of the issue at hand I am hoping you can assist me in getting my credit updated to not report any data beginning XXXX XXXX XX/XX/2023 or to show payments made on time due to this issue.

Company response to consumer: Closed with explanation