vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I didnt authorize for them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Garcadia Financial LLC
State: GA

Complaint narrative:
I didnt authorize for them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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 2022-04-21 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-21 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC stole my entire XXXX XXXX of XXXX dollars just to get me out of town. They judge me because I'm XXXX. Oh well, not XXXX  enough to do what they do and try to collect on debt issued that is not my debt. XXXX XXXX helped me but she also lied and didn't consider any reasonable method to produce the solution. She transferred me a debt collector who was not the XXXX in XXXX XXXX. No. Not a bit intimidating but shameful like a cupid without an arrow. Please help these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: LA

Complaint narrative:
I recieved a bill from Glass Mountain Capital on XX/XX/XXXX. This bill stated I owed {$1100.00}. I called on XX/XX/XXXX. The person I spoke to said the company owed the money was XXXX XXXX XXXX. And they might sue me. 

I explained that I had my identity stolen in XXXX of XXXX due to a security breach with a local hospital. I offered to send the police report and FTC complaint file in XXXX and another FTC report filed last year. 

The person I spoke with stated they would inform the company that it was a fraud case and hung up. 

Today I recieved more correspondence from them to harrease me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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  Account # XXXX XXXX XXXX credit, 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
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KY

Complaint narrative:
I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I received a notice on XXXX XX/XX/2022 that Chase was closing all 6 of my military business checking accounts. I was told one of the accounts was overdraft and to make a cash deposit to make it current. I made the account current but chase still closed all my accounts. They could not provide me a reason and told me I had a lifetime ban.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a checking and savings account with navy Federal Credit Union. I also have a car financed through them. They were not on the title and I didn't know that. The only way I found out is someone opened a checking account in my name at a different bank so I changed my account number with my bank. That's when I found out my account was flagged for this reason. The next day I went into the branch and filled out the necessary paperwork and waited, only for it to be kicked back, not once but twice because it was filled out incorrectly by the employees. I have gone back for the third time ( I filled it out myself ) so now I'm waiting again. I have asked for them to remove the flagged and give my overdraft back. They keep saying they are trying to get reconsideration for the flag to be removed. It should not be there! it is their fault why they're not on the title. No employee is being held accountable, just me. The one who has done everything right! I want this flag lifted immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-21 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: NV

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
XX/XX/2022 for the amount of {$10000.00} was ford motor credit co. most recent inaccurate reporting. I am a co-signor of a auto loan for XXXX XXXX XXXX. We have tried via certified mail to have ford motor credit to uphold their obligations as furnishes of information to delete the inaccurate information and put them on notice of the US Codes Violations they were violating but they refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MI

Complaint narrative:
I been having a difficult time getting XXXX account removed off my consumer report.i have made numerous disputes about the accounts been re-aging amounts been inaccurate and to removed these account after they do their 100 % investigation. The company tells me they are accurate with the investigation and they are not gon na make any more dispute on my behalf ..they couldn't have did any investigation at all they lied to me about talking to anyone and states that the state of XXXX child support reported this to them .I have all the report from different dates of the consumer reporting agency have different first report /when its due to come off and different amounts these accounts has past the status of limitation as well.

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 2022-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
i, consumer, XXXX XXXX enter into a Consumer credit transaction with corporation Credit Acceptance on XX/XX/XXXX.on XX/XX/XXXX pursuant to 15 usc 1666, i sent a billing error notice to credit acceptance, lien holder, creditor and debt collector. due to unavailable reasons, credit acceptance fail to comply with section 1026.13 ( c ) ( 1 ) of the billing error resolution cited at title 12 of the code of federal regulations ( 12 cfr 1026.13 ( c ) ( 1 ) for not responding within 30 days. credit acceptance also fail to comply with rules for resolution cited at 12 cfr1026.13 ( d ) ( 1 ) and have been continuing to make attempts to collect a debt.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2022-04-21 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:
According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX {$300.00} Dept of EdXXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any 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 2022-04-21 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Took more than 30 days to verify debt- Failed to supply a contract or proof of a signed directly with this company. 

I Did not sign a contract with this company that is reporting. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On the XXXX of XX/XX/2022, I received an email from PayPal that my account is going under closure, first i thought this was a fake email but when i logged into my account it was actually real. They are telling me that my account is closing from the vague reason of violation of PayPal 's Acceptable Use Policy. What i did first is messaging them on the paypal website and asking for a more specific reason, first I received an automated message which i responded to so a person can answer me. The second answer i think it was by a person but it wasn't telling me why my account is closing, just that my account was reviewed and they think it should be closed. I replied to that answer again and told them what i am using PayPal for and ask them again the reason why i was permanently limited. They simply answered that the decision can not be overturned and that my funds will be frozen for 180 days. I called them on XX/XX/XXXX and explained to them again what I use PayPal for and they issued a new revision for my account which i never got an answer for after 72 hours of waiting. I use PayPal to sell digital products/goods. I am a developer and I create plugins/scripts which are digital products, then I sell these products on a marketplace. I can give all the info on my products and the Marketplace that I am using if needed but PayPal never asked for that before closing my account. I was using my PayPal account for about 2 years and I had no disputes over this time period, the account was verified and I gave all my personal information when I created it as well as added my credit card & bank account. I am really worried now that I'll never get access to my balance that was frozen, I have XXXX $ which i can not access. I need this money to pay my bills and my life expenses and can not wait 180 days to have it back. For 3 days I have been stressed and couldn't sleep & eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX, I bought a pack of cigarettes at the XXXX XXXX XXXX XXXX XXXX XXXX ), located on the corner of XXXX XXXX and XXXX XXXX XXXX. The cashier told me he was charging me {$9.00} and I paid using my debit card and pin. 

The next day, XX/XX/XXXX, I noticed that I had been charged {$580.00}. I immediately issued a claim with my bank ( Chase ) to dispute the charges amount. I was temporarily refunded my money and was instructed to discuss the claim with the vendor directly while the investigation was underway. 

I immediately discussed the charge with the cashier that had overcharged me. The cashier agreed that the charge was incorrect, but told me to work with my bank to have it resolved. I continued to wait for results from my banks investigation. 

On XX/XX/XXXX, the refund from Chase was taken back from my account. On XX/XX/XXXX, I called Chase and they informed me that the dispute had been rejected and that I had to take up the dispute with the vendor due to the fact that a debit card had been used in-person. After discussing the dispute directly with the vendor again on XX/XX/XXXX, I was told that the vendor did not have records dating back to XX/XX/XXXX and that I need to dispute the charge with my bank instead. I spoke with Chase again today, XX/XX/XXXX, and was told that I should continue disputing the claim directly with the vendor. 

I would like to initiate an investigation into this fraudulent charge of {$580.00} in which I should have only been charged {$9.00}.

Company response to consumer: Closed with explanation