vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2023-04-17 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: Self Financial Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act these creditors XXXX XXXX SELF LENDER, SELF FINANCIAL BANK INC/ XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I can't gain access to my chime accounts. I've attempted to gain access with pictures sent, requests for them to review, requests to update information to gain access to app to withdraw and close out my accounts. At least 30 times. I do not have access to my old phone and emails. I've explained repeatedly of restraining order I've had issued to stalker and therefore had to change my info frequently so I attempted to use an email and phone number I had verified with them and still I can't gain access. I can't even gain access to get my amount numbers to withdraw everything. I've attempted to get them to put a hold on the accounts because the cards are stolen but they will not accept the updated info. Without the acceptance of the info I can't gain access to online chime app and without that you can't do ANYTHING with them. I'm on social security/XXXX. I explained they are withholding government funds and payments and all my income. I can't change my auto deposit b because I don't have my account info I don't have my account info because I can't get into the app and I can't get into the app because they won't accept my updated info I've submitted over 30 times. My income is XXXX  monthly they have the last 3 months. My savings is almost gone. I'm trying to move but I'm afraid that attempting to change anything else will cause further delays. So I can't close or hold my funds, I can't report stolen cards because I can't update anything and I can't hold it stop any spending. They WILL NOT help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have a particular account that is stating that I owe {$10000.00} and it is listed on my credit report. I reached out to them via mail on several occasions for validation and I have yet to receive a response. 

I recently reviewed my credit report and it says that the account is still opened.

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 2023-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
NOTICE OF ARBITRATION There are some errors on my credit report after I've studied it thoroughly ; I've asked for those errors to be looked into ( CFPB XXXX ). Inconsistency can be found in the payment history for XXXX, XXXX, and XXXX, yet you finished the investigation by saying the account was validated. I've now suffered money loss, mental anguish, and shame as a result of this. 

In addition to that, I also reviewed the contract, and the financial change does not reflect as the sum of all charges, the insurance premium was not included in the finance charge, thus in violation of 15 USC 1605 ( c ). Since I am unable to pay the arbitration fee, I have decided to initiate arbitration with the XXXX and, in accordance with the XXXX arbitration agreement, I am asking Exeter Finance LLC to advance the arbitration costs on my behalf. If it is feasible, I would prefer to resolve this issue without going through arbitration, but only if the account is recorded as fully paid and I receive restitution of {$5000.00} to cover the actual harm that the inaccurate and incomplete reporting caused me over the course of a few months. I want to give you 14 days to fix this problem. 

Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunication, and otherwise method of communication. This communication requires a response within the allotted threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
The XXXX  XXXX XXXX # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: 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, has violated my rights. on my Experian credit report ran XX/XX/2023 shows a late payment from XXXX  XXXX for XX/XX/2023. I reached out to XXXX  XXXX directly and ask as of goodwill to please remove the late payment. 
Which I received a letter back saying they are unable to change their reporting on a courtesy basis. 

I submitted a CFPB Complaint XX/XX/2023 requesting for the late fee to be removed. Experian respond back saying their records indicated that the accounts mentioned are showing up as an open and current account with no late payments reporting. 

That is incorrect as my report does in fact show a late payment for XX/XX/2023. Per my credit report Experian removed the late fee XX/XX/2023 but the late fee was later put back on my credit report. Which current the late fee for XX/XX/2023 is now showing on my report. 

Based on law. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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 2023-04-17 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: MS

Complaint narrative:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Any activity against my credit is not from 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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
The listed number XXXX. Is pretending to be a cash payment app VENMO. trying to get log in codes from people to scam them out of money. Needs investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

THe incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and there is XXXX XXXX XXXX that need to be deleted. 
The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report. 

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2023 a Unauthorized inquiry was made to my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Payfare International Inc.
State: NY

Complaint narrative:
I have been attempting to receive my XXXX card since XX/XX/XXXX. I have called the XXXX  ( Payfare ) Customer Service and received the runaround for two months being told to just keep waiting for the card. At the beginning of XXXX I was advised that a card was sent to me in XXXX even though I did not authorize an account until XX/XX/XXXX. I looked back at statements and yes they opened an unauthorized account that never had funds deposited in XXXX. Today I called and was told by first representative to wait longer for my card and they had no way to track. They then transferred me to another call center where I was told I never ordered a card and it would take 2-3 weeks to receive a card. I am going on a trip XX/XX/XXXX and need the card to pay for hotels and rental cars, two weeks would be fine, three would not. I asked for a supervisor and was told no. The representative placed me on hold came back and said no supervisor available and they were done with the call and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

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 2023-04-17 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
After checking my most recent consumer report, I noticed you are furnishing accounts that violates my Fair Credit Reporting Act rights that Congress gave me as a consumer. The reporting of this account has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes. Ultimately your negligence has damaged my livelihood and my ability to grow in life using credit. 

A charge off is a severely delinquent account that the original company decided to not collect on any more due to their company reasons. The FCRA law I break down literally explains that a Charge off, which is a severely delinquent account aka a transaction, is not included in the consumer report! And by it reporting to my consumer report its a violation its illegal because crime at a federal level is illegal and violations to my FCRA rights are Federal Crimes! 


15 U.S. Code 1681a Definitions ; Rules of Construction, ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Transactions or experiences are not included in the consumer report yet this charge off is on my consumer report. A charge off is a severely delinquent payment. A delinquent payment is a form TRANSACTIONS. This charge off reporting to my consumer report is an EXPERIENCE between myself and XXXX XXXX. 

You are HEREBY put on NOTICE that you are furnishing inaccurate information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 

15 USC 1681b- Permissible Purpose of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT In conclusion, I have shown you and put you on notice that you are in CLEAR VIOLATION of the FAIR CREDIT REPORTING ACT. 

DELETE THE ACCOUNTS REFERENCED ABOVE FROM MY CONSUMER REPORTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX  XXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : XXXX I have successfully conducted a move-out inspection with XXXX XXXX representative for the apartment location at XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management XXXX 
XXXX XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. 
Accordingly, I was not able to contact XXXX management within XXXX days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. 
In addition, XXXX payment portal Apartment Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from Apartment Assistant. 
XXXX XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 
XXXX XXXXstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 
XXXX I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX XXXX monies. 
Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief