vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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:
in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03 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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I want to file a complaint for deception, waste of time, and deceptive practices of Western Union. Today through the application I needed to send money to my niece who lives in XXXX to buy an air ticket. and after 2 hours of delays and problems, a Customer Service Agent finally authorized the transaction and tricked me by telling me that in 2 minutes he would send me the information in writing by email that the transaction had already been made. However, in just 1 minute they sent me the cancellation, that's how I made the XXXX phone call to tell me that they couldn't give me any explanation. Meanwhile my niece waiting and they did not solve anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report. I demand that the following accounts listed on attached document be removed immediately. ( Midland Credit Management , Inc ) is using my consumer report with means to harm my consumer reputation as a way to swindle an coerce me into making payments on alleged debt, which is a direct violation of 18 U.S.C 894.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation
State: MO

Complaint narrative:
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sent a txt alert through XXXX asking if I authorized a payment for XXXX and when I called and was transferred to there supposed fraud dept and then to my bank to make sure the payment didnt go through. There was a very publicized case from a women in XXXX Oregon who fell for the same scam XXXX and her claim was denied through chase until she fought it, and was issued her money back. Im trying to figure out how to move forward with fighting this Ive contacted chase and refilled another claim for this. Although it seems without further assistance the banks can deny. From what Ive read there are federal laws in place for this?. Any help is appreciated. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: TX

Complaint narrative:
-In XXXX of XXXX I requested a forebearence from my loan servicer First Centennial Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL My loan is backed by XXXX XXXX  XXXX My business had been shut by city ordinance due to covid. 
XXXX of XXXX I was prepared to begin repayment. The lender indicated I could get a modification but firsts had to go through a trial period for three months.

-I received no paperwork XXXX XXXX XXXX the trial period begins with the first of what I was told would be 3 payments of {$1400.00}. 
XXXX XXXX I made 3 calls, XX/XX/XXXX I made one call, and XX/XX/XXXX I made one call to the loss mitigation department of First Centennial all for request documents explaining the terms of modification. and was told paperwork was " on it's way '' -These payments were made from XX/XX/XXXX and are currently still being made with the most recent XX/XX/XXXX. 
- I never received paper work confirming or explaining the terms of modification which began on XX/XX/XXXX -Have made a total of 17 phone calls to this company since XXXX of XXXX requesting documents for loan modification. 
-I called and requested an escalation of my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXXI have receved no call back and no answers where my modification paper work is form the trial that began on XX/XX/XXXX -I have received a letter from First Centennial mortgage date XX/XX/XXXX Indicating I am now in default. 
XXXX XXXX XXXX I made another phone call to the loss mitigation department to inquire about an update.

-First Centennial is requiring I pay a lump sum of {$21000.00} although my forebearance due to covid began before XX/XX/XXXX. 
-My Forebearance due to covid began XX/XX/XXXX -This lender has given me until XX/XX/XXXX to pay this lump sum and cure this default. 
-This lender has indicated in a letter " The nature of your default is the failure to make the monthly payment from XX/XX/XXXX to XX/XX/XXXX. '' -My Bank Account indicates money has been paid to this company. Over {$14000.00} has been been paid. 
-I have also indicated to the lender the modifyed payment amount is in excess of my original loan payments and received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TX

Complaint narrative:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, XXXX # XXXX, and TransUnion # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

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 2022-06-03 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: TX

Complaint narrative:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, Equifax # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX Balance {$270.00} # XXXX, XXXX, Balance {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry : XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact :

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 2022-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
FOR THE PAST 6 MONTHS IVE BEEN TRYING TO SHUT DOWN MY MACYS STORE CARD EVERY PAYMENT I MADE FOR MONTHS KEEPS GETTING REVERSED MY CREDIT SCORE HAS DROPPED FROM XXXX TO UNDER XXXX BECAUSE OF THIS ISSUE THEY REPORTED THE ACCOUNT LATE EVEN THOUGH IVE PAID IVE SPEND WEEKS ON THE PHONE TRYING TO RESOLVE THIS MATTER I ASKED FOR MY ACCOUNT TO BE SHUT DOWN 5 TIMES ITS STILL OPEN THIS ACCOUNT HAS RUINED MY CREDIT I TRIED TO GT THIS REMOVED MACYS CLAIMED TO THE CREDIT BUREAU THAT THIS IS ALL MY FAULT AND I MISSED PAYMENTS EVEN THOUGH I SHUT THE ACCOUNT AND MADE THE PAYMENTS. 

P.S EVERY TIME I CALL I AM PLACED ON HOLD FOR HOURS THEN THEY HAG UP THAT THEY KNOW WHAT THEY DID WAS WRONG AND HAVE NO INTREST IN FIXING THIS MATTER

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are Experian # XXXX, XXXX # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Credit Collection Services has placed a collection on my credit profile claiming that I owe {$600.00} to XXXX. I researched XXXX and they appear to be an insurance company. I have never used that company for insurance. I have reached out to Credit Collection Services 3 times about the issue and they have yet to resolve it. They bought a debt for pennies on the dollar and are trying to make a profit. This company is horrible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello, when my accounts at XXXX were closed, there was an installment loan standby cash attached the checking account, I tried two times both in XXXX of 2022 and again in XXXX of 2022 of paying the balance owed, neither time did they process the payment right. Neither time did it even come thru to my current bank ( XXXX ) - all of a sudden i see this negative account being reported to my credit reports. Ludicrous! I called in TWICE ( 3 times now ) to make this {$86.00} payment or whatever it was. This is madness, I made it and they didnt either take the routing and account # right or whatever they did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX 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 a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

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 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
Square deactivated my account and refuses to issue a refund back to my customer, even though they took my customer 's money. This happened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-06-03 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue take care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation