vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Someone showed up to my parents old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send one to an old address.

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 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received a paper notice on or around XX/XX/XXXX from Phoenix Financial Services about a debt they stated I owed. They gave directions on how to dispute this debt if I did not believe I owed it. Those directions provided for a dispute via their website, among other options. I disputed the debt and requested validating information via the website on Sunday, XX/XX/XXXX. The website did not provide a confirmation code, which I found fishy- very easy to deny receiving any such correspondence. I followed up with the only email I could find available to the public : XXXX. In that email, I stated the following : " Good evening, In response to your letter dated XX/XX/XXXX : I dispute this is my debt. I dispute any knowledge ofcharges which would match the original creditor or subsequent holders. I request any signed invoices or other legal forms of validation that this debt is mine. I have submitted a similar dispute via your online form, but it did not provide a confirmation number. I request that all contact is done via XXXX mail in response to this email. 

Respectfully, XXXX XXXX This was sent via my personal XXXX account at XXXX XXXX  on XX/XX/XXXX. The company did not reply in any form : Electronic, or the requested postal mail. Today, XX/XX/XXXX, I have received a notice that Phoenix Financial Services has placed an account for collections on my personal credit report- without ever responding to my request for information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
accordance with the fair credit act # 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a XXXX  card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- XXXX XXXX ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT this is for the late fees, the first complaint and demanding the laws

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian North American Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, Recently, I received the credit report from your company dated XX/XX/XXXX. In this report, I realized there are discrepancies on what I paid to XXXX every month from my personal bank and the amounts which your company reported as follows : Actual Amount Paid to XXXX from Bank Amount written on the credit report provided by your company XXXX XXXXXXXX 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 Since your previous many letters indicated that I should contact any questions regarding this matter, I am gladly contact with my main bank regarding this matter to clarify. 
Also, recently, I have received a credit report from XXXX, toward which I was asked to file by the district court of New Jersey in XXXX by paying {$400.00}, even though I was asked by the court. It did not mention my XXXX XXXX at all in it. However, you kindly indicated increased XXXX XXXX in your credit report. As far as I understand it means XXXX hesitation to comment on XXXX XXXX, due to the unreliability of credit reports themselves from several credit report companies. Therefore, would you tell me how will you state your credit report, and score are reliable to be mentioned officially since your company continuously indicate the results of unreliable data and information? 
Sincerely,

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX And XXXX XXXX accordance with the fair credit act # 12345, 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.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Under 15 USC 1681b - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( 2 ) In accordance with the written instructions of the consumer t whom it relates.

Did I give you written instructions to furnish this account on my cre report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), 1 " consumer report '' does not include- + ( A ) Subject to subsection 1681s-3 of this title any- 1641 ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the reports.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2024, I contacted USAA and spoke to an agent who was not helpful in advising how to dispute with the unauthorized charges on the USAA Secured Credit Card. She did however advise that she noted the account that there were fraudulent charges. I submitted an Identity Theft Affidavit, My Drivers License and Dispute Letter to USAA Document Uploads which confirmed that they were delivered to an agent on XX/XX/2024. I initiated a dispute with the credit bureaus as there were fraudulent charges on this credit card that were not authorized by me that I learned of after the account was closed. I have attempted to seek a resolution to this matter by requesting this account removed from my credit reports from XXXX, XXXX, and XXXX. I have not received any notification from USAA that they are complying with the FCRA 605B to have these listings removed from my credit file. I notified USAA multiple times via phone and document upload of fraud associated with the USAA Secured Card. I notified once again and some fraudulent charges were credited along with late fees and interest leaving the account no longer past due and current with a credit balance of - {$170.00} as of XXXX. USAA continues to report the account and has even added a delinquency in XXXX that doesn't exist due to the account being current. USAA has not handled this matter properly under FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit 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: M&T BANK CORPORATION
State: CT

Complaint narrative:
I ATTEMPTED to do an XXXX XXXX XXXX with a XXXX XXXX XXXX back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX I simultaneously had my primary XXXX XXXX XXXX XXXX  for which I have the medical records stating that there wasnt any XXXX most likely but possibly there was XXXX and that I was XXXX. In the end I never got the service that I paid {$8000.00} for. This XXXX  clinic could not even supply me with medical records that this was attempted or anything which is another violation of medical law. THE MERCHANT OFFERED TO REFUND ME AND NEVER DID. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/year> and the bank is refusing to acknowledge that and take the money back. furthermore, this bank is just sending me copies of an agreement of what I would pay for if I actually went through with this XXXX XXXX XXXX attempt. The bank does not have any record that I actually went through with it. I signed the papers on XX/XX/XXXX do you sign papers, start medication and have your XXXX retrieved in the same day? No the XXXX XXXX XXXX XXXX XXXX XXXX lasts for 14 days. My XXXX  retrieval would have been somewhere between XX/XX/XXXX and XX/XX/XXXX. Where are the records that show that I went through with it and they had a right to keep my money? And furthermore why is it being ignored that the company offered to refund me? They even had me sign a release and still I never got my money. I will include correspondences with that woman, XXXX XXXX, who is their patient relations manager. I signed a release for them and have been asking the whereabouts of my check since then and they never get back to me. They tricked me into signing a release saying I wouldnt sue them. Again MT has a picture of them offering me a refund and doesnt provide any documentation that I went through with XXXX XXXX XXXXe because I didnt, because it was canceled. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so. If this cant be resolved here, Im going to take it to arbitration because you are not providing me with that information which is illegal.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in XXXX of XXXX a cXXXX XXXX bankruptcy was reported on my XXXX, XXXX, and Experian. I myself have never filed bankruptcy. I then reached out to the credit bureau requesting to disclose who reported this information. they then responded and said the courts, I contacted the courts they stated they don't report to credit bureaus. I sent another letter in XXXX of XXXX requesting the same info, the credit bureaus responded and stated " XXXX XXXX ' provided them with the information. I reached out to XXXX XXXX to inform them of the inaccuracy and they REMOVED the bankruptcy from my XXXX XXXX. I then sent the credit bureaus the removal from XXXX XXXX  and on XXXX updated my profile and removed it. the last couple of years I have been going back and for with Experian and XXXX about a bankruptcy that is not accurate and they will not remove it nor will they give me some proof on why they believe it belongs to me

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 2024-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loqbox US Inc
State: GA

Complaint narrative:
The company Loqbox Finance wrongfully charged me a late payment in XX/XX/2023 this did not occur I have reached out to this company several times with no response, I demand that this late payment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed no later than four business days as per 15 U.S Code and 1681 c -2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are result of identity theft and must be removed no later than four business days as per 15 U.S Code and 1681 c -2.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a collection agency by the name of Jefferson Capital Systems that i have no knowledge of a debt that they are trying to collect on behalf of XXXX for a balance of {$2100.00}, My phone services are with XXXX for the last 5 yrs and I have never tried to switch or even inquire about services with XXXX. This account was open on XX/XX/2023 and I am requesting that this deleted off my XXXX and XXXX report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received the following error message when trying to refresh my score in Experian app. Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

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 2024-03-10 00:00:00
Product: Credit reporting 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:
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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:
i have recently discovered that someone has been using my personal information to obtain goods and serives using my identity, enclosed are supporting documents to support my claim on identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have recently discovered that someone has been using my personal information to obtain goods and serives using my identity, enclosed are supporting documents to support my claim on identity theft.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank has stated that the State of Michigan needs to request funds back from deposits that were made in the name of XXXX XXXX. The XXXX states this is not something that they do and if the funds that were deposited were for an individual that was not on the account, they should have been returned back to the originator initially. PNC allowed several deposits to post for several months and is now refusing to return funds that were for the account holder as well as the person who had been receiving the funds. Account owner has attempted to contact PNC bank and the XXXX several times regarding this matter and not only has PNC refused to simply return all funds to the sender, they have stated that due to the funds that were posted, the funds that were also posted for the account holder will not be returned either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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:
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-10 00:00:00
Product: Credit reporting 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:
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank charged hundreds of dollars on overdraft charges. from an account from XXXX XXXX XXXX. Between the amounts of {$7.00} a day to {$21.00} and {$36.00} a day. They have not been forth coming and unprofessional to say the least. I had no idea of this until XXXXXXXX XXXX XXXXXXXX. I also had another account in XXXX and never new of a balance in XXXX, never was told or informed. They charged me total of {$450.00} in overdraft fees. They have refused to correct or do anything. This all stemmed from a claim they denied totaling {$110.00} and overdraft charges of {$450.00} totaling {$560.00} from the year of XXXX which is outrageous.

Company response to consumer: Closed with explanation