vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Context : I had a XXXX XXXX card issued to me many years ago ( roughly since XXXX ), but has been been closed within the past year or so due to inactivity. I did not pursue applying for a new card, and no longer wanted any part of promotional emails regarding their credit card. Regarding this card, I have taken repeated actions of the following with no resolution : XXXX ) Directly through promotional / marketing emails, I have unsubscribed from all options. However, I continue to receive the same emails over the course of many months/ years. This proves that not only do they continue to store customer information without consent, but they are acting in a predatory and dishonest behavior by continuing to send these unwanted emails without any regard to the end customer. XXXX ) I have asked to remove me from any/ all emails going forward. Clearly this request has been ignored as I continue to get them to this day ( last one received XX/XX/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 2022-11-23 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: KY

Complaint narrative:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

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 2022-11-23 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: IN

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 : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX at XXXX XXXX XXXX on : # XXXX, XXXXXXXX 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 2022-11-23 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: IN

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on : # XXXX, XXXXXXXX XXXX XXXXXXXX : # 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX, XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
There is an account reporting on my report in the amount of {$5500.00} from Lockhart morris and mont,  XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!

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 2022-11-23 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: TX

Complaint narrative:
There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX does NOT adhere to the 2018 federal law requiring that I be allowed to put a FREEZE on my report ONLINE via an easy process. This is the law https : //www.ftc.gov/news-events/news/press-releases/2018/09/starting-today-new-federal-law-allows-consumers-place-free-credit-freezes-yearlong-fraud-alerts XXXX  is requiring that I submit a PAPER form in the MAIL, which violates the 2018 federal law requiring EASY ONLINE freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: GA

Complaint narrative:
I checked my credit report and I noticed that I have some unauthorized inquiries on my credit report I've reached out to Equifax to correct this issue already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Receivables LLC
State: CA

Complaint narrative:
I was contacted by Lien Receivables LLC in XXXX XXXX, CA regarding a towing of a motorcycle and storage. They indicated that the vehicle is mine, which it is not, that it had not been claimed and therefore had been sold, but the proceeds were not enough to cover all the costs involved, and that I owe {$2300.00}. They sent me documents via text message for a motorcycle, which I never owned, and at an address for which I have never lived at. I told the caller on the initial call that it is not my vehicle and that they have the wrong person. I continued to receive text messages, phone calls, and a letter indicating threatening actions including contacting my employer, taking me to court, and such if I did not resolve the matter. I have repeatedly told them that they have the wrong person and I have never owned the vehicle in question. I looked up the phone number ( XXXX ) XXXX, that texted me and found allegations that this company is a scam and this tactic has been used against others. I researched the company name and found some similar evidence that they are not legit. I have asked them to not contact me anymore, but they continue to harass me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX 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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
For my US bank cash back credit card, I signed up the cash back deals to get {$15.00} back after making a purchase on XXXX. The deal expired in XX/XX/XXXX and the purchase was made in XX/XX/XXXX. From the description of the US bank website, I was supposed to receive the {$15.00} 7 days after XX/XX/XXXX. But its the end of XXXX, still see nothing. Called US bank card customers service, got transferred back and forth to several people, no one in the bank knows how to fix it. After spending hrs on the one, they are still unable to resolve the issue.

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 2022-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC
State: OR

Complaint narrative:
I think I was bamboozled in to getting this loan. I was only supposed to be getting a solar panel loan and I ended up getting this refinance loan that I had no clue about because nobody explain anything to me. Nobody said that youre getting this loan and that loan at all so now I have XXXX bills being sent to me one from good Leap, and one from XXXX XXXX XXXX XXXX place and I was told that I have a refinance loan mortgage loan. I never asked for a refinance loan. I was never told that I was getting a refinance loan so now this is upsetting me and I dont understand why this is happening because I never asked for it and it was never told about it so I would like to do something about this I was I was tricked into getting this and its not OK with me. What can I do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 i received a call fro Bank Of America ( it said bank of america on my caller ID and was associated with the phone reflected the same number as bank of america. The person who called me said they were with Bank Of America fraud protection services and gave his badge and ID # an stated that there had been fraud on my account. I was out of town at the time, so I thought that this could have happened being that I was out the previous night. He said whoever committed the fraud had tried to take money from my XXXX account that was connected to my B of A account. They told me that the only way to reverse this and for it to be documented as fraud was to accept the payment requests ( yes multiple ) from the person who requested the money in my XXXX account and then it would immediately be marked as fraud and be returned to me. I asked who the person was that was requesting the money and i was told that it was his manager at Bank of America. I was a bit skeptical so I looked the so called manager up on XXXX and they had a ( what I now know was fake ) linkedin profile that said she was a Bank of America manager. I did what I was told and as I was doing this my friend, who i was with at the time and is a lawyer asked me what he heck i was doing. I explained the situation to him and he said YOU ARE GETTING SCAMMED! he immediately hung up on the person and told me to call XXXX and bank of america to report it as fraud. I immediately called both bank of america and paypal. Since then, I have called bank of america oer XXXX times, XXXX over 100 times, filed a police report, visited 4 bank of america in person locations, and spent over 43 hours on the phone with both bank of america and paypal. Bank of america said that this was extremely important to them, and they would resolve it immediately and that was over a month ago. XXXX is now coming after me for XXXX and the scammer got XXXX from me and I have not gotten a XXXX back from bank of america.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union and Other Corporation, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, dob, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of Consent, Reporting Incorrectly, and mainly breaking the law.

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 2022-11-23 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:
I am a natural person, I am the living human being. I have rights under 15 USC-1681.

Equifax is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to 15 USC-1681 I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one. HOW DARE YOU LIE AND SAY YOU HAVE RECORDS OF ME CALLING I WANT THE AUDIO BECAUSE THAT WAS NOT ME!!!! ANYONE COULD HAVR CALLED IN PRETENDING TO BE ME AND AS I STATED THE ADDRESS ON FILE IS A FAMILY ADDRESS MY MOTHERS HOUSE WE ME AND ALL MY FAMILY HAVE LIVED TOGETHER BEFORE YOU ARE PRODUCING FALSE INFORMATION AND I AM NOT GOING TO LET THIS SLIDE I PROMISE YOU BE SUED

Company response to consumer: Closed with explanation