vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: IN

Complaint narrative:
I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Office : XXXX Email XXXX Was paid XXXX $ for an outstanding hoa bill, on XX/XX/XXXX After payment was made the there was still a Lein put on my property. I have asked multiple times for proof of payment, and this Lein to be removed but I havent received any updates. 
I was charged for a pet fine multiple times which I have informed them that it is a service animal. They reduced To take these fines off and have used them against me in the amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX  I received a collections letter from XXXX and XXXX regarding a credit card debt to Barclays Bank which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that XXXX and XXXX was authorized to collect the alleged debt on behalf of Barclays Bank, and proof that XXXX and XXXX is licensed to operate as a debt collector in XXXX XXXX XXXX. I received no further communication from Barclays or XXXX and XXXX for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXXXXXX  I received notice that XXXX and XXXX was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXX XXXX  ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, XXXX and XXXX knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all Barclays Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: CA

Complaint narrative:
I applied to XXXX XXXX apts and was denied due to criminal and eviction on my report. This information is not only incorrect but due to a law put in place in the XXXX XXXX  XXXX I can not be denied housing due to a criminal record. This screening company Resident Verify not only had incorrect information about an eviction but they pulled my criminal record for something that happened over 10 years ago and was sealed due to me being falsely accused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-15 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: DISCOVER BANK
State: NC

Complaint narrative:
Payments made to XXXX XXXX XXXX 
I went to the XXXX branch to print documents and also called in to customer service to Discover credit card. Credit card does not have a branch. 
I also made a dispute with credit card on fraud activities, stop payments but they will not acknowledge it after verification 5 times. I'm now paying XXXX XXXX  a month on closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-15 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I was under the impression that this was paid through the total loss claim on the vehicle, was never made aware it was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies. 
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification. 

The information regarding a XXXX XXXX XXXXXXXX account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted. 

Somehow Bank of the west i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}. 

On XX/XX/XXXX There is a bank of the west account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX. However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XX/XX/XXXX stated {$930.00} with date of reportinXXXX XXXX  on each document in XXXXXXXX 

There is also a NEW Bank of the West account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXXXXXX 

Credit agency stated " verified account and information has been updated '' with no documentation of verification.

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 2023-08-15 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX 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 a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: SC

Complaint narrative:
There has been two separate transactions on my account where someone has created a virtual card on my account, two different virtual cards, and made transactions that I did not authorize. The first claim someone created a virtual card on my account and used it to make unauthorized transactions through a bogus XXXX XXXX. I promptly filed a claim with Netspend bank to dispute these transactions, but unfortunately, my claim was denied. # Claim Number : XXXX was for {$320.00} where someone opened a virtual card ending in XXXX on XXXX XXXX and transferred the money to a bogus XXXX XXXX, this was not me, this was not authorized. To my dismay, the same situation has occurred again, where another virtual card was created on my account and unauthorized transactions were made. Now I have another transaction that went through last night at XXXX CT for {$370.00} with yet another virtual card ending in XXXX to XXXX XXXX XXXX XXXX XXXX GA XXXX this was not my transaction and was not authorized. I have started a dispute on this one as well under claim # XXXX. This is {$690.00} my bank, Netspend, has allowed someone to create virtual cards on my account and take my money, yet they have denied my first claim! This is totally unacceptable business practices. I have been in contact with Netspend already to change my email and password on my account and waiting on a new card so I can access what money I have left! This is deeply concerning and highlights a significant security breach within the Netspend systems. When I send emails, all I get is an automatic email. I call customer service and they go through all the normal XXXX without helping me. They should be responsible for giving me my money back!

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 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
On XX/XX/2023 I paid a past due debt with Aspire credit card. On XX/XX/2023 I received a letter from XXXX XXXX regarding this debt as unpaid. On XX/XX/2023 I reached out to XXXX XXXX and was directed to call Aspire. I then chatted online with XXXX from Aspire and was directed to call XXXX XXXX. I once again called XXXX XXXX and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: MN

Complaint narrative:
Medical Business Bureau - XXXX XXXX XXXX XXXX XXXX  - Missed call from XXXXXXXXXXXX XXXX  XXXX XXXX XXXXXXXX  - Missed call from XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Missed call from XXXX XXXX XXXX  XXXX XXXX  - I called XXXX to find out the reason for the calls. - Person explained this was a debt collection. I demanded a paper statement naming the original debtor and itemized list of charges. I was hung up on. At no point was my mailing address asked for. 

I have not received any paper statement explaining my rights, the amount of the debt, who the debtor was, etc. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I XXXX XXXX REQUEST THAT THIS ACCOUNT FROM AFFIRM INC BE REMOVED FROM MY CREDIT REPORT OF ALL INACCURATE REPORTS AS IT IS A CANCELLATION OF DEBT. CHARGE OFF ACCOUNTS SHOULD ALSO NOT HAVE ANY LATE PAYMENTS I AM GIVING THIS CREDITOR 30 DAYS AS I DO NOT RECOGNIZE HOW THIS ACCOUNT IS BEING REPORTED ON MY CREDIT. I DONT RECOGNIZE THE ACCOUNT STATUS I DONT RECOGNIZE THED ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENTS ASSOCIATED WITH THIS ACCOUNT AND DOES NOT MEET THE FRCA. NEVER RECEIVED A XXXX XXXX PER IRS PER 15USC 1681EB AND1692G. I HAVE ATTEMPTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. I HAVE NEVER RECEIVED ANYTHING FROM AFFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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