vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, Equifax XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " XXXX '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " Spring Oaks Capital LLC ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, DE 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 2022-05-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
XX/XX/2022 received first letter claiming that they just purchased the debt along with attempt to collect. 

XX/XX/2022, Disputing the debt requesting debt validation. 

XX/XX/2022, Attempt to collect on debt without validation during the 30 days grace period XX/XX/2022 Attempt to resolved XX/XX/2022 Final Attempt to resolved XX/XX/2022 Debt collector delete my access online Also Multiple robo calls. All calls recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CO

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 2022-05-04 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 Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were Chase originally and now being handled by XXXX XXXX XXXX. I have purchased Cars previously and this has never come up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
AES, the servicer of my loan has tried to bait and switch my payments so that interests continue to accrue on one of the loans. I contacted them when they started this practice and told them it was not acceptable and I wanted my payments to be allocated equally. They did this for one payment and the next payment they are back doing the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting 4 unknown/unauthorized inquires on my credit report they know I'm a victim of identity theft and have a fraud alert on their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Payment is due theXXXX of each month payment was made theXXXX. Infiniti reported to credit reporting bureaus that account was 30 days late. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX- XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX ] 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 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 2022-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXt XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX  XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 Equifax account number XXXX has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is the second complaint against Chase Bank. On or about XX/XX/2022 XXXX XXXX processed a direct deposit into my Chase Bank account ending in XXXX for the amount of {$360.00} which posted to my Chase Bank checking but about the same time Chase Bank closed my account and never sent me those funds due to me. 

The first issue I lodged a complaint against Chase Bank through CFPB was back in late XX/XX/2022 in regard to a remote deposit in the amount of {$540.00} that I made on XX/XX/2022 which Chase Bank never gave me credit for and has still to this day not resolved this matter. XXXX XXXX has verified this check via an phone message to Chase Bank 's customer service # XXXX and through an email to me in which I forwarded to Chase Bank. 

I have not as of yet received any money from Chase Bank for the paychecks from XXXX XXXX that was posted to my then account with Chase Bank. The excuses that I am getting from Chase Bank is " they can not verify the issuance of these funds from the maker of those funds. '' Chase Bank refuses to call the phone number for XXXX XXXX ( XXXX ) XXXX because " this is not a registered number for XXXX XXXX '', I have told them that XXXX XXXX purchased XXXX XXXX and everything is registered to XXXX XXXX but they can still verify the money that was paid to me but this doesn't seem to matter to Chase Bank and they are continuing to hold my money. 

Please help me to finally resolve this matter as I am at my wits end with this and tired of trying to resolve this in a timely manner. We are already into the month of XXXX and I have been waiting for my money since the beginning of XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MI

Complaint narrative:
on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MI

Complaint narrative:
on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX VXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX  Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-05-04 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: Social Finance, Inc.
State: SC

Complaint narrative:
A sofi credit card with a balance of XXXX $ was opened in my named I have filed with federal government Sofi has not responded and to phone call nor will they provide any information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX  six years ago, I had lost my wallet at the airport. The last few years have been rough trying to repair my identity within the public to lenders because of my information being used and stolen from me. The last few years, I tried to dispute this information with Bank of America credit card department notifying them I didn't open a credit card on XX/XX/2017 for credit line of {$1000.00} but exceed {$1200.00} the date of Charged off as bad debt from the institution.

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 2022-05-04 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: AL

Complaint narrative:
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 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 2022-05-04 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: TN

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX  account number 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 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 2022-05-04 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: TN

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX  account number 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 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation