vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, 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 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 2022-10-13 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 XXXX Account # XXXX, Account # XXXX and Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy on my consumer report that you publish. My consumer report still contains the unverified account indicated below, which is in violation of law. 
XXXX XXXX XXXX, Account Number XXXX A consumer reporting agency must include all truth, fairness, and correct information on a consumer report in accordance with 15 USC 1681 ( a ). To guarantee that the reported information is accurate, several measures must be done. 

Your inability to comply with my SECOND WRITTEN REQUEST to terminate the disputed account that you can not verify within 30 days further demonstrates your willful disregard for federal law. Please send me a copy of a revised and updated CONSUMER FILE that demonstrates that this business ' tradelines are being verified or are being immediately removed.

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On or about XX/XX/2022 BANK OF AMERICA was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$140000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. BANK OF AMERICA Finance redeemed the the instrument on or about XX/XX/2022. BANK OF AMERICA Finance has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor. BANK OF AMERICA is currently extorting allege Debtor fraudulently

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 2022-10-13 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: USCB, Inc.
State: CA

Complaint narrative:
For the last 60 days I have been trying to obtain information about my credit reporting without success. I am trying to validate the debt reporting from USCB America & XXXX XXXX. Please provide me an itemization showing proof and accuracy that USCB America & XXXX XXXX belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 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 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 causer to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C. 1681 Sections 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 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 causer 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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I have tried to get support beyond the XXXX help desk because I'm getting the same answer. They are refusing to do so. And any escalation requests are being closed out. 

I was scammed through an XXXX contract and have tried to get my account unlocked but being told that I have to remove the chargeback from the scammers cards ( they are not my cards and are not on the Google pay account any more ) I took a contract through XXXX for a XXXX XXXX to test an app 's micro transactions. After completing the test the cards were removed from my account. Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scam ) I tried to contact the developer but my previous conversation was removed by XXXX. After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: WI

Complaint narrative:
Today I revived this text message stating I tried to apply for a loan. I immediately looked to report them I didnt XXXX up for it and I have my identity compromised. XXXX has already took 4 things off my credit please help and catch these scum. I never signed up for anything and they a fraudulent scammers who will get your info to steal your identity. Trust me mine has been stolen and its a nightmare. Take the steps to report this to the right people, and dont let these scumbags prosper. God Bless America!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 XXXX Account # XXXX, Account # XXXX and Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX  reported to my credit 30 days late to my payment when i have never paid 30 days late i called to let him know but all he says is i will look at it but never fixes the issue

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have never used the transactions from XXXX XXXX and I never authorized anyone to use all these transactions from XXXX XXXX. Someone used it fraudulently so I had diputed with Bank of America and they had concluded that I used them. 

My credit card account number is XXXX XX/XX/24 XXXX ( XXXXXXXX Account ) I want to know what kind of evidence you have that I have authorized all these transactions and who authorized them..

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 2022-10-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I made my monthly auto loan payment to Ally Financial for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from XXXX credit bureau that my auto ally financial was 30 days late. Dropping my score XXXX points. I have proof of payment that was made before the XXXX. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from XXXX due to ally financials error! 


Ally Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax you have verified this account I have found 6 violations on this account from Bank XXXX XXXX  which is fraudulent reportingXXXX $ XXXX dollars you can make payable to me or remove this account forever I will except the removal for the violations you are reporting or I can file with the courts on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX. 
Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX. 
Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford motor company sold my account to a third party collection agency without my knowledge.. Selling or transferring debt from one creditor or collector to another can happen without your permission. However, it typically doesn't happen without your knowledge. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you.

Company response to consumer: Closed with explanation