vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IL

Complaint narrative:
Received multiple phone calls and text messages on a weekly-biweekly basis since XX/XX/2022 from National Recovery Agency requesting to collect debt from a name that is not mine, and that I am not associated with.. Phone numbers include : XXXX, XXXX, XXXX : to call back at XXXX. Reference number : provided. I have answered multiple times, and even called back and said that my phone number does not belong to the name that is being requested. I have been contacted on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and today XX/XX/2022. I spoke with two representatives who said my phone number would be taken off the list. Today I received a detailed text message from National Recovery Agency stating who the debt is being requested for, the total, and a reference number. When it occurred, and when the final resolution needs to be met for this collection. All information that does not pertain to me.

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 2022-04-19 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. Experian is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.

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 2022-04-19 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, DeptedXXXX XXXXXXXX, DeptedXXXX XXXXXXXX, US Dep ED XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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

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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Credit Card company allowed someone to open a credit card account with my name and address without proper identification and verification. The account is listed as charged off on my credit report in which I never opened an account with Discover and my credit score never met the their credit card requirements.

I faxed and forwarded my signature and letter which was also notarized by a Certified Notary Public to provide proof that the charged off account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 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 non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: AL

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  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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 usc 1605 finance charge is sum of all charges included late 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 2022-04-19 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: AL

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  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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
15 usc 1605 finance charge is sum of all charges included late 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 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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, 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. 

XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # : 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 2022-04-19 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, 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. 

XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MI

Complaint narrative:
In XX/XX/2022, someone did obtain my credit report from Transunion without my consent ( fraudulent ). They also tried to get 2 different credit cards fraudulently.

This was done online. I believe that I know who did this.

I need the IP address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the IP address, at least tell me the city and state of the IP address.

Pretty simple request .... don't protect the criminal, protect me instead.

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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was contacted through XXXX by an alleged military man who for 2 months based on deceit convinced me to make 2 wire transfers, the first for {$3600.00} and the second for {$12000.00}. I have evidence of the same. He was an alleged soldier based in XXXX and struck up a friendship after an alleged personal interest, in an alleged mission he was awarded {$400000.00} for his performance and for having saved the lives of some hostages, but due to his situation and security he could not be kept safe. he that money. He told me that his mother had passed away, his father had XXXX and he had no one. Believing that he was not going to involve something monetary on my part, I agreed because there was already an affection and he knows how to gain my trust. Then a supposed shipping company writes to me called the package is being held by customs and in order for it to be sent to its final destination, you must pay {$12000.00} to grant one of the permits. The transfer of {$12000.00} was made on XX/XX/2022 with the promise that it would be paid once the alleged money arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reach out to Transunion by phone couldn't get through to the fraud team regarding fraud inquiries on my credit report. There is 21 fraud inquiries that must be removed immediately. I have submitted an FTC report. I will be attaching my driver license for the verification of my identity and also the FTC report as well. These Inquiries have effected me and my family in a negative way and stop me from providing essential things for my family. Thank you, God Bless

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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, my CashApp account was compromised and the scammer withdrew {$300.00} from my XXXX XXXX XXXXXXXX checking account which was linked to my CashApp. The scammer used this money to buy XXXX, attempted to send it to an unknown person ( which failed twice ) then sent it to someone else ( also unknown to me ). They then tried to withdraw additional amounts which were all blocked ( {$700.00} attempted three times, then {$350.00} attempted once ). 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. XXXX  XXXX XXXX issued a temporary credit for the missing {$300.00} on XX/XX/2022. 

Today on XX/XX/2022, I received a followup letter from XXXX  XXXX XXXX stating that the fraud claim had been denied and the {$300.00} credit would be removed on XX/XX/2022. The reason provided by XXXX XXXX XXXX is quoted as " Cash App provided documentation showing the transaction is valid, and weve included it for your records. '' I plan to pursue CashApp to recover the stolen money but wanted to file the complaint first to inform them that this step has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. 

Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. 

Called today ( XX/XX/XXXX ) at approximately XXXX XXXX  and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. 

Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: FL

Complaint narrative:
In XXXX of XXXX my husband and I were considering a refi of our current mortgage as rates were low and we were considering home improvements. My husband received an offer from Financial Freedom Mortgage and we decided based on closing costs etc to not go with the loan, instead we used the funds we saved. My husband received another call from Financial Freedom Mortgage on XX/XX/XXXX asking if we were in the market for a refi, I heard his response as I was sitting right next to him, he said NO. The woman asked for a meeting with us. He said my wife would never agree to this. The woman asked if a manager could speak with him the next day. He said the manager could call but rates are too high. My husband never gave permission to pull his credit nor did I speak to anyone giving them permission to pull my credit. I was notified by XXXX XXXX later that day that my credit was pulled. The manager called my husband on the XXXX. My husband told him that they had no permission to pull our credit. The manager denied having hard pulled our credit but of course they did. Now we are receiving calls all day long from mortgage companies trying to get our business. They had no right to do this and I feel very at risk because all the mortgage companies calling seem to have access to our credit scores. Since my husband told the manager at Financial Freedom Mortgage what they did they have not contacted us again and when we try to call them they dont take our calls. I want them to contact the credit bureaus and notify them of their error. They will not take our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 Equifax reported that I had no public record because of a dispute I submitted. On XXXX XXXX Equifax put a public record ( bankruptcy ) on my report without notifying me. I never received a 5-day notice of the re entry. This is fraudulent and against the FCRA according to 15 U.S.C. 1681-1681X

Company response to consumer: Closed with explanation