vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: CT

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently pulled my credit report, I noticed this account ending in XXXX which does not belong to me. Please delete off of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: SC

Complaint narrative:
I have disputed with TransUnion about XXXX XXXX Act # XXXX where the account was to be removed as it was agreed upon for payment in full ; however, INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. It was changed to Not Specified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA XXXX XXXX XXXX : BANK OF AMERICA claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BANK OF AMERICA on notice. 

I gave BANK OF AMERICA an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/ DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as collateral to off-set any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BANK OF AMERICA never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the XXXX signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION XXXX : BANK OF AMERICA has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : XXXX. BANK OF AMERICA admit that I am the original creditor and source of the credit being utilized. 

XXXX. BANK OF AMERICA leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. BANK OF AMERICA reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BANK OF AMERICA pay for all fees and fines associated with this matter. 

XXXX. BANK OF AMERICA pays me {>= $1,000,000} in damages. 

XXXX. BANK OF AMERICA is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/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 2022-10-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
So I have been credit card fraud it I have reported this to the police I have hired XXXX XXXX  this was a charge off on my credit I have sent 10 certified mail to this company called cavalry portfolio services , LLC XXXX XXXX XXXX, XXXX, AZ XXXX I have certified these people mail regarding this matter they have mailed me a form asking me to send it back I did that as well along time ago XXXX XXXX has challenged these people and ask them to quit harassing me and they still are regarding this matter I have asked multiple times for them to understand I was credit card fraud and they dont seem to care they want their money I wrote you guys about this matter but at that time it was through XXXX XXXX has hired this company Ive sent a complaint into your company about XXXX this is my second complaint that Ive written I had XXXX preferred diamond card that was stolen when Covid broke out I had to XXXX XXXX cards as well and I had a XXXX card my identity was stolen so I have been trying to work on my credit and fix all of this as a matter fact Im not sure exactly which one of these bills is which with XXXX I just know that I have sent in all the documentations and police reports and these people will not leave me alone Im on XXXX I have no money At all whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have XXXX credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX bank balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2022 {$100.00} was charged to my account from a XXXX 's XXXX XXXX MD. I was not in XXXX at the time. Clearly, I was making purchases that day in XXXX, SC where I was that day as clearly seen on my bank statement. I submitted a fraud claim to my bank and it was rejected. They claim that my chip was used, but it appears that my chip was copied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is commiting consumer fraud and identity theif. 
XXXX. On MyEquifax site, they charge {$29.00} for access to dispute your address, credit cards, and any unauthorized credit pulls. But it is unknown where any of these disputes or private uploaded information actual goes to. 
XXXX. On XXXX, I was denied a loan because Equifax had not updated my credit in over 20 years! Attempting to speak directly with an Equifax XXXX, XXXX ID # XXXX, I was informed all the information submitted over the MY Equifax website was not in Equifax credit records. The Agent stated he did not know what happened to information submitted by Consumers on My Equifax website.This is extremely dangerous!!!! 
XXXX. My Equifax website is advertised as a secure site to dispute, correct and update consumer credit reports but it is FAKE and clearly a violation of Consumer Fraud, along with identity thief! 
Please do something about EQUIFAX and their Bogus Fake Web Site that is gathering Consumer id and private information, sending it to who knows where. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I noticed a debt on my credit report being reported by XXXX for a debt of {$330.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Credit Management , LP. I did not authorize the sell of this account to Credit Management, LP., I have not done any business at the address listed with this account nor do I owe Credit Management , LP.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Credit Management , LP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX  XXXX ( inquire ) XXXX  XXXX XXXX XXXX ( inquire ) XXXX  ( Hotel and travel ) - XXXX ( inquire )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: WI

Complaint narrative:
I took out a loan through RSVP Loans & am having problems paying the {$300.00} every other week payment. There are NOW contacting my family members, which I called them & told them they could not do. The gentleman on the phone said " they can do whatever they want to try & collect the money from me ''. They think they can intimidate me but I know if I ask them not to contact me family or myself, they have to cease communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
So I XXXX  myself some money from my other account to my PNC Bank account. I logged into my PNC Bank account and I saw that my money was pending, which was {$240.00}. I then proceeded to call PNC and asked them as to why my money was not available for me to spend. They told me that they are in the process of closing my account. They have been in the process of closing my account for a while, but the account is not closed and they still allowed me to XXXX myself money to my PNC account. Now PNC is holding my money hostage and refusing to release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: DE

Complaint narrative:
company is trying to collect on an account that has already been paid. Company has also been sharing my personal information to third parties without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I opened a loan with XXXX on XX/XX/XXXX for a mattress. 

Everything was fine until I made an accidental overpayment on XX/XX/XXXX. I sent a payment of {$1000.00} rather than the {$100.00} I was trying to pay. 

I contacted them immediately by phone to let them know of my mistake. 

They refunded the entire payment of {$1000.00} on XX/XX/XXXX and did not withhold the payment due for the month of XXXX. 

When the refund was returned I received an email in their " private message ' system that they were aware of the error showing I was deliquescent and would correct it. 
I thought everything was good and continued to make payments. This private message system is oy available through the original email link I was sent that i no longer have access to. 

They hounded me via email for months about the alleged deliquescency. I called multiple times to try to correct it and was told it was a glitch that would be fixed. 

It wasn't. 

I finally decided to cancel the order altogether to get the loan cancelled in XXXX. 

3 days after they refunded refunded all payments, they reported me to Experian as deliquent over 30 days. 

I disputed it with Experian and XXXX  confirmed it was accurate. 

You can not reach anyone at XXXX  other than a call center.. 

In order to prove they are wrong I opened a 2nd loan with a subsidiary of nectar on XX/XX/XXXX and was approved for a {$1900.00} loan... If I'm a debtor, you would think they wouldn't allow another loan. 

My credit score has been damaged by about XXXX  points and I've no option but to do this. 

I already filed a complaint and sent in my documents that your office lost and was told to file again so here we are

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed a debt on my credit report being reported by Capital Accounts LLC for a debt of {$600.00} in collections In an attempt to settle this debt I contacted XXXX XXXX, they made me aware that this specific debt has been sold to Capital Accounts LLC. I did not authorize the sell of this account to Capital Accounts LLC.I have not done any business at the address listed with this account nor do I owe Capital Accounts LLC.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Capital Accounts LLC..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all 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