vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
shortly after multiple fraud incidents, I was contacted by a loan/ check casher known as " Easy Money, '' In XXXX TN, about a check that bounce in which I owed them money. The man who committed fraud is the man who made me cash the check, shortly after having a verbal disagreement with the company I started receiving threats in the community, and over the phone. There was a pretend telemarket collect call, this man named XXXX XXXX ( may have lied about his name ) sounded similar to the man who made the call. This man pretended to be the American government and threatened to murder my family. Easy Money hired XXXX XXXX ( may have falsified his name ) to seek after me about the verbal disagreement and to have him hurt me, this man XXXX me, and I have yet to be able to solve the issue. This man was reported, but I can't get in contact with anyone about the issue. I know that they collaborated due to the degree of the crime. He sought after me for the company, and there is debt to pay ; there are issues blocking me from paying the debt. I am complaining about the severity of the threats by the company. I do have my own bank statements, showing the failed recovery of the debt, but that level of retaliation is unnecessary. My life isn't to be threatened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # 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, 15 USC 1666B : 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 2022-09-03 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: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # 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, 15 USC 1666B : 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 non-monetary relief
Consumer complaint received 2022-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are 2 unauthorized inquiries from XXXX XXXX on my Transunion report XX/XX/2022 and XX/XX/2022. I have been going back and forth between companies since XX/XX/2022 we regarding these 2 unauthorized inquiries. Transunion tells me that XXXX XXXX is supposed to investigate and XXXX XXXX tells me that transunion is supposed to investigate. I filled a police report and sent the information to the credit union. I did not get a response until XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-03 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: IL

Complaint narrative:
The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than XXXX business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Federal Law under the Fair Credit Reporting Act I demand that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX account 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 consent. TRANSUNION was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION is reporting unauthorized inquiries on my CONSUMER REPORT. TRANSUNION is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO TRANSUNION WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.

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 2022-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never apply for capital one bank I send a letter to crediter and Credit report stil not remove I never apply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
CHEXSYSTEMS VIOLATED FEDERAL LAW AND MY RIGHTS. Please read attached document to view my complaint. Also attached is my proper identification and recent consumer report. I demand a response within 15 days upon receipt of this complaint in writing and via MAIL.

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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have sent a total of 23 emails and filed 21 disputes on affirm as they have illegally, fraudulently refused to acknowledge the refund confirmed received from the merchant on XX/XX/2022 for XXXX XXXX loan # XXXX. I attached evidence of the refund from XXXX XXXX 23 times. 
Affirm actually responds by repeated formatted bot emails stating there was no refund issued. Then they have actually closed all the disputes. Of recent they do not even respond, now they automatically close them after I open them. I am astonished at the utter criminal activity of this Affirm preying on the vulnerable and taking advantage of them, and in the process ruining peoples credit. 
How does a company dispute hard evidence that a merchant refunded the full amount? Only a company like affirm. What is sadder is the CEO was heard stating how he started this to help the disadvantaged build their credit. Obviously he meant ruin their credit. 
How this company stays in business is beyond me. Its truly shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc.
State: KS

Complaint narrative:
SENTRY CREDIT INC, XXXX XXXX XXXX, XXXX, XXXX  XXXX, is attempting to collect a debt that was discharged through a mediation order filled in XXXX XXXX ( Florida ) Small Claims court. The order was sent to Sentry Credit via email in XXXX and XXXX. The order was sent to XXXX and XXXX in XXXX. When Sentry Credit was contacted by phone they said that " it was not their responsibility to check with the original entity XXXX at XXXX XXXX, even though they knew the matter was in litigation. '' The impact of the reporting and attempt to collect a debt that is no longer owed significantly impacted my ability to obtain financing. XXXX and XXXX allege that the collection is verified, even though they have a copy of the order and can verify its veracity through the XXXX XXXX on-line system. Sentry Credit is alleging to the world that they are owed a debt that they are not, this is simply fraud. It appears that XXXX and XXXX are ignoring their responsibility to actual investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a check from a potential business partner that was paid forward. I deposited this check and began using this money when they canceled the check and all charges were charged to me when the check got canceled. This has caused my account to go into a negative balance. I deposited the check on XX/XX/22 and they refunded it to themselves XX/XX/22. They also asked me to send some of the money back which I did but once they canceled the check the charge was also taken out of my account. I was scammed by this person because I believe they never intended on letting me keep the money, but wanted me to send money back in order to take my money. I notified my bank of this problem and because I tried to send them the money back they will do nothing to help.

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 2022-09-03 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/2022 I sent out letters to the credit bureaus of Experian, XXXX, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.

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 2022-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX is reporting inaccurate information regarding my capital one account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: MD

Complaint narrative:
I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2022-09-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is reporting inaccurate information regarding my XXXX XXXXXXXX account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit 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 non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
Approximately XXXX I received an email from Chime Bank saying that they had found an unused account in my name and they needed copies of my ID my social security card and proof of where I live. I submitted everything they asked for and then on Wednesday the XXXX of XXXX they locked my account without warning. They sent an email that said I had used the wrong PINto many times ATM the and I needed to call so I did. When I spoke to the representative they informed me that it was because there were two accounts in my name I had already submitted all of the information they asked for and they had not said another word about it. I live on a social security check I'm a widow I'm disabled and elderly. Because they've done this without cause I now have the burden of paying late fees to all of my creditors. I have talked to the company and I've gotten several different people one of them told me that they could completely close my account for having two of them I explained to him that at one time I was going to use their bank but decided to go with another Bank and had completely forgotten about the original account. I asked him if they could transfer my money to another account with another bank and they would not tell me. I haven't been able to pay my rent go grocery shopping pay my utilities, nothing I don't know where else to turn. I know I wish I would have never opened that account. One of the representatives told me that they could actually close my account without warning and then they would have to mail me a check after they got it resolved and that it could take weeks there are no transactions that would cause a person to think that I was trying to do anything illegal with the account. I asked him if I can find out what my balance is and I was told no I could not. Please if there's anything you can do to expedite this so I can pay my bills this month all of your help would be appreciated. My name is XXXX XXXX I live in XXXX MO. my phone number is XXXX my email is XXXX XXXX. Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been having issues with bank of America constantly suspending my edd card. I would have to call them numerous times to have them unsuspend it and it was always a hassle. Well, then one day try to use my card and couldn't so I called them and they said my account was frozen. They requested me to go into a bank with two forms of ID and then they would unfreeze my account. Well I can't find my wallet with my ID since I moved recently and now I can't get into my account to get the money to get a new one. I made a complaint because bank of America would not even give me a reason why they froze it in the first place. I think it is a violation of the court order placed against them for using their flawed fraud filter. In any event XXXX XXXX  contacted me by email and gave a number to call them and I got hung up on twice and still no resolve. It's been XXXX XXXX. What do I do?

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