vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: IL

Complaint narrative:
Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX, XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( Experian ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX 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 an 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 2023-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Good Morning! 
The reason why I'm sending this complaint is that my bank has just closed my bank account and I will not have access to it. The reason for this was a few weeks ago I was a Victim of a scam, a person told me he was gon na pay me {$2500.00} if he could use one of my posts on XXXX to make a painting/Mural, I said that to was fine because the account looked very legit, he sent me two checks one for {$500.00} and another one for {$1000.00} I deposited to my account and the next day the money was on my account, he then started threatening me telling me to send money to this person or else my account was gon na be on negative, because I was extremely scared I sent the money to two people he told me to send it to, after that he sent me another check fro XXXX dollars and told me to deposit it, once he told me that I didn't want to deposti it so I said no because I realize he was a scammer, so then he deleted the check from my bank account and then my account turn to negative and he told me if I want to get my money back I needed to deposit that check, so I did deposit it than the bank emailed me saying that those checks were false, so I block the person number and I tried to make some claims to the bank but since the transitions were complete they couldn't give my money back, after that a week later they sent me a letter saying they are closing my account because of the false checks, and I am really worry because 1- i lost all my money, 2- i have a lot of bills i have to pay and i tried to deposit money to my account so it wont be on negative but i couldn't because i do not have access to my account and all i want is to recover my account so i could be able to pay for my bills and i do not have any financial problems in the future. i ended up losing {$1900.00} dollars which were what i was gon na use to pay for my college books and tuition, but I was the victim of scammed and i lost everything.

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I have not ever transacted business with this company. This company is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I applied for mortgage assistance from the Maryland XXXX XXXX XXXX XXXX XXXX ) program back in XX/XX/2022. I have submitted all the documentation for the assistance by XX/XX/2022 and they are now waiting for US Bank to respond to the request. The Maryland XXXX has been repeatedly trying to contact US Bank but haven't received a response with the information needed to get me the assistance from Maryland XXXX. I have called my mortgage company and they keep telling me they haven't received anything. I need someone to contact them to make them send in the information so I can get back on track with my mortgage payment.

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 2023-02-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/ I filed a complainant through the portal after trying to resolve this on my own an they have yet to provide me with the info I ask to show proof I gave anyone of these companies or them written or verbal consent to share my alleged private trans actions and we are past the 30 time frame the law allows them to do reinventions. The first complaint number is XXXX to reference. Its 47 days later no response of proof of what I requested.

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 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received an email from. A company called TrueAccord see attached email and email address screen shot. it stated I owed a debt from a credit card. I called the number to talk to someone see attached screen shot of phone number called and mistakenly gave my year of birth and last 4 of my social security. I am afraid I was scammed. They told me the debt was not mine and they would take me off the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: LA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) 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 explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank owes me {$270.00} in refunds on accrued interest payments for mishandling the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. 

Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that my monthly automatic payments were not being paid towards my oldest promotional purchases as I had called and requested every month since automatic payments began, but instead distributed across all of my promotional purchases in random amounts. 

This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. 

At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. 

I called Synchrony again to try and resolve the issue on XX/XX/2023. They were uncooperative and said they had no record of phone calls. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. 

I have paid my remaining balance to Synchrony bank in full minus the {$270.00} in accrued interest they are requesting. 

Synchrony broke their agreement to distribute my payments to the promotions I requested and is obligated to remove any interest accrued on this account.

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 2023-02-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of 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 2023-02-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of 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 2023-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Cavalry Portfolio Services Llc have submitted multiple fraudulent cases against me through XXXX XXXX XXXX. The first case docket # DC XXXX XXXX for a credit card i never had and XXXX XXXX XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with XXXX XXXX that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Not the Place you would want to go to open a Business Account while being a Minority. On XX/XX/. I proceed to go and open my business account at this location. Once greeted I sat n spoke with a banker he proceeds to go over my paper work as going over it he told me there's an error one paper is miss XXXX on it. From there I knew this was the wrong bank to go to. He runs to the back and comes back out. Asking me everything he did before he went back. Now come the Branch Manager for some reason he has to take over opening this account. After showing my business credit cards he proceed to say it must be a major bank credit card. I Live in a luxury complex where the lease is digital n on a login portal. He proceeds to stay that's not acceptable. Next I offer my water bill. Not acceptable, now at this point he's lying. He does wants to open this account for me. I can bet any amount of money that bank specifically doesn't offer higher services to minorities other than a checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of 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