vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: OH

Complaint narrative:
Hello CFPB Team, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.

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 2023-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PENTAGON FEDERAL CREDIT UNION Fraudulent contract via Account # XXXX ( From XXXX ) Balance as of XX/XX/XXXX - {$12000.00} The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS VIOLATION : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

Constructive Fraud, as well as actual fraud, maybe the bases of cancellation of an instrument. ( El Paso Natural Gas Co. v Kysar Insurance Co., 605 Pacific 2d. 240 ( 1979 ) ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ) - Federal Reserve Notes/Paper Money.

A debt is not paid by the giving of a note ( Nolan Co. v Maryland Causality, 38f. Supp. 479 ) Additional Violations : 15 U.S. Code 1692d ( 1 ) - For destroying my reputation.

18 U.S. Code 112 - Threatening/ attacking the liberty of an internationally protected person/ XXXX XXXX XXXX XXXX XXXX  ( 8 USC 1101 ( 21 ) ).

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 2023-01-03 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card is charging me for a stay at a hotel that I never stayed at - I cancelled the hotel stay before my stay was due but the credit card company is still charging me in spite of me not even stay there! This XXXX  was in another XXXX - I XXXX XXXX XXXX XXXX XXXX  The hotel was non responsive when asking questions so I had no way to confirm the company would pick me up from the airport in XXXX XXXX. I cancelled the stay due to me not feeling comfortable and poor service- my credit card company is allowing this charge to remain on my account even thought I never stayed here and received poor service from the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Someone opened a fraudulent account with XXXX XXXX XXXX XXXX personal information. I have been trying to dispute this account for a while. The past 4 months I have been calling Experians customer service and every representative told me they will not reinvestigation this fraudulent account and it was verified by a certified letter. Experian never sent me a copy of verifying documentations. To date Experian have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper full reinvestigation. I have proof of Experian being noncompliant. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, you are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. 
I want Experian to conduct a proper reinvestigation with this fraudulent account. Please send proof of their findings! Promptly remove this unverified account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: TX

Complaint narrative:
I got a loan and tried to apply my XXXX XXXX XXXX to the loan and I am an XXXX XXXX XXXX XXXXXXXX from XXXX but I havent gotten any movement on it. My interest rate is currently 27.495 % with a loan fee of {$4500.00} separate from the XXXX borrowed. These fees seems very outrageous

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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, DEPT OF ED/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 non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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, 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 2023-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX after requesting my statements, I filed a XXXX claims at Bank of America EDD prepaid cardholder services for unauthorized transactions. It is now XX/XX/XXXX and my provisional credit has not been deposited for my use during the remainder of the investigation period.

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 monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of DIVERSIFIED ADJ SVCXXXX. Their address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Their phone number is listed as XXXX. The original creditor is from XXXX. 

I would also like this same complaint to be sent to XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXXXXXX XXXX I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, UNLAWFUL. 

I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who and the Credit Reporting Agencies allows this information on the reports and how it gets added to consumers reports. Who grants the authorizations to be placed on consumers reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
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 USC 1666b. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: WA

Complaint narrative:
Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. 

It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. 

Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. 

Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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 USC 1666b. 

XXXX Account Number : 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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
Got this card as a result of having issues re-establishing my XXXX account. I got this card as a result of influence from local stores that sold the prepaid debit card from XXXX and thought it was an interesting trade name. I believed the correlation was a well suited match for those having issues with financial security and believed the concept to be a interesting idea. It was something that had a lot of frequency in the area due to the saturation of banks in the area and for me this made sense. It was reinforced with the XXXX XXXX XXXX XXXX and with the fact that they used XXXXXXXX XXXX XXXX like XXXX gave it some level of validity. 

I was not a fan of the app. I found that setting this card up to be rather difficult. And abandoned the application process in setting up direct deposit as frankly you made it all too hard to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I can currently 5 payments behind XXXX XXXX, XXXX, XXXX, XXXX XXXX stated they send payment XXXX of every month but no payments are being applied to my account as I was awards XXXX payment assistance from XXXX program.my Loan was transferred from XXXX  to shellpoint mortgage XX/XX/2022 and I know it take 60 days for loan to update however that 60 day will be up in 3weeks and I have seen no progress with payments being posted please help me with this problem on my account. I also updated XXXX to send all payment to my new mortgage company shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
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 XXXX XXXX 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

XXXX Account Number : 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 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 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  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/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 response to consumer: Closed with explanation