vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have number of address attach to my credit report that I attempted to get remove, as I am looking into purchase a house. The address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 2022-08-03 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: PA

Complaint narrative:
This dismissal was to be removed. XXXX and XXXX removed this XXXX item.Experian should have this removed but it is still showing on my credit.

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 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
[ 1 ] Inefficient and difficult process when trying to resume/change/terminate account email with/without TFA/2-factor-authentication.

[ 2 ] If worried about identity-financial fraud, Chase should base its security more around alerting and notifying, instead of forcing users to rely on

3rd party or make is so secure that no one, including the true original user, can't ever access the account again in times of disaster or injury [ 3 ] Why isn't mailing address a reliable way of verifying for a simple replacement? It could send verification letters for users to confirm upon receipt if other authentications fail [ 4 ] If initial mailing excludes concerns that other users of the same mailbox will end up activating those cards and materials instead of the person who ordered, that exclusion shall extend the same when the user is trying to recover/change/terminate the accounts after activation.

[ 5 ] If newly generated statements since activation of cards change the parameters of that concern, having to rely on 3rd party storage to save those recovery information ( TFA/2-factor-authentication, credit card, etc ) defeats that very purpose of " safety and privacy of all users. '' The risk that those other 3rd party who has those information pose at abusing the account questions the efficacy of those measures or always fulfill their obligations on releasing those information only when the true user requests, nor is feasible to enforce that obligations. ( Those 3rd party to whom the true user has to rely on, to have those recovery data - TFA/2-factor-authentication, credit card, etc- in times of disaster, injury, etc can bypass those security measures just as easily ) [ 6 ] It is not entirely possible to prevent others from accessing an account without getting rid of recovery measures for the true original user, therefore, the next best measure is to retain the alerting measure that notifies the true original user of others ' attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX account # XXXX days late on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Funds in the amount of {$79.00} was fraudulently stolen from my account on XX/XX/XXXX. The bank ( USAA ) initially reimbursed the funds on XX/XX/XXXX but took the funds back on XX/XX/XXXX, based on their investigation that said, " We can validate members information to the merchant documentation provided name, email id, and previous history with merchant. '' This is silly because thieves do not pull your name out of a hat, they link your account with the merchant. In my case, I did not place the fraudulent order but have in the past when my dog was alive. He passed away XX/XX/XXXX. 

However, I called the merchant " XXXX '' today at XXXX hours and spoke with a woman by the name of XXXX. She did not have my updated e-mail address on file. I had to give her my old email address to look up the account, so with that said, USAA said that they verified my email address with the merchant, but the merchant ( XXXX ) did not have my current email address at the time the money was fraudulently stolen. 

Due to several charges that led up to the amount of {$79.00} ; XXXX advised me that she would need the total of each amount and the date and therefore could not retrieve the information I requested, which was where was the order shipped to? 

I need my money reimbursed back into my account ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2022-08-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: LA

Complaint narrative:
XXXX XXXX position was marked with a discrepancy found in XXXX XXXX. I am currently employed with XXXX working as a XXXX XXXX XXXX  XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX refers to all employees as XXXX XXXX. The terms are used interchangeably. HireRight verified I am currently employed with the company but downplayed my job title. Job duties of my current position includes XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My offer letter received from XXXX states I am working with XXXX with shows that I am a XXXX XXXX There should not be a discrepancy on my report as I reported ACCURATE information. IF this cause me to lose my current job offer, I will be filing a Lawsuit against HireRight. Also I submitted a check stub to HireRight to verify some information and HireRight has not responded and updated my reported. They have marked the error as CLOSED without reviewing the Check Stub PROOF I submitted. HireRight is creating FALSE DISCREPANCY on my background check which may cause me to lose my current job offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}

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 2022-08-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX nm three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

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 2022-08-03 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: CT

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 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
I have never received any correspondence from this collection agency. I have never heard of them and would it 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 explanation
Consumer complaint received 2022-08-03 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: FL

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 Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

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  Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 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 2022-08-03 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: TX

Complaint narrative:
To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual XXXX. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos XXXX 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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 2022-08-03 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CT

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 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 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX I was contacted by Fair Collections Outsoucing or FCO. They immediately asked me for my address and SSN without identifying their name and their business. I did not verify any information as I do not have any outstanding debt owed if I did, I have not been sent any letters or communication by any business that have tried to collect any debt. I told them I am not providing my SSN or address as they did not provide valid reason or what debt they were providing.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Yesterday around XXXX I went too PNC branch located at XXXX XXXX XXXX XXXX XXXX FL XXXX United States XXXX to cash my insurance check, and this manager ( XXXX XXXX XXXX violated my rights, he gave me a hassle when I was trying too cash my check, basically saying the check is invalid, he cant verify it, I have too take it back too my bank so they can cash it. It was a 15-20minute back/forth embarrassing situation, they way he greeted me at the door was unacceptable, he couldve took me into his office to speak on the situation but he didnt we spoke in the lobby in front of everybody, I recorded partial of it, on my other phone. Another manager stepped in and looked at the check, called progressive right away and verified the check, and it only took her 3 minutes to do all that. As a United States citizen I dont appreciate how I was talked and the way the situation was handled. I already reached out too the XXXX and their helping me out with this situation too make sure it gets resolved, honestly I felt like all this happen because Im a XXXX XXXX.I was highly embarrassed, I have 3 witnesses my girlfriend who was with me, the XXXX adjuster who issued me the check on the phone while all this took place, and the bank manager who helped me getting the check cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NJ

Complaint narrative:
I ask EXPERIAN to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on 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