vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
I have no knowledge doing business with this company Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
as the trustee capital one, your not acting in my best interest as the beneficiary I XXXX XXXX, and its affecting me causing more hardship, you closed my account without my consent that's considered adverse action when I pointed out reporting dates were off and needed to be corrected. upon my request to fix the issues pointed out, you closed my account on XXXX and XXXX and left it open on XXXX  acc # XXXX. unacceptable and very upsetting. you wrote that My account ending in XXXX should be removed from reporting due to its closed status but in fact its not reporting accurate because its only reporting on XXXX. that's inaccurate once again. and your letter did not address any of my prior concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
XXXX, Transunion, and XXXX are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that XXXX XXXX XXXX XXXX  account ending in XXXX, the XXXX XXXXXXXX account ending in XXXX, the XXXXXXXX XXXX account ending in XXXX, and the XXXX XXXX XXXX XXXX  account ending in XXXX all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from XXXX XXXX XXXX ending in XXXX and XXXX, along with the XXXX XXXX XXXX XXXX account ending in XXXX and the XXXX XXXX XXXX card services account ending in XXXX have all been charged off. Per topic no. 431, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian Dispute Center, I am writing to formally dispute and seek the correction of inaccurate address information on my credit report, specifically in accordance with Metro 2 compliance standards. The reported address in question is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX It has come to my attention that this address entry does not align with Metro 2 reporting guidelines. In light of this, I am seeking your immediate attention to investigate and rectify this discrepancy to ensure compliance with the established Metro 2 Reporting Format.

In accordance with Metro 2 guidelines, I am prepared to provide supplementary documentation for address verification. Enclosed herewith is a copy of my cell phone bill, which serves as an alternative verification method meeting the requirements of Metro 2 reporting.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I opened this account for credit building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments which are inaccurate and in violation of 15 USC 1681. Not only are they in violation for furnishing an account with inaccuracies, but this account is also in violation of 15 USC 1666B. There is a billing error considering the accommodation and the account was paid and closed.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account showing missed payment. Account should be paid in full just recently made a payment XX/XX/XXXX. Sold car to XXXX after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
I always paid my rent with Money Orders. And this last time was no different. I gave the apartment complex my two money orders and they took them both. then about a week and a half later. Managment came to my apartment and said. That the first larger amount money order went through. But then hands me the second money order back along with a 3 day pay or vacate and adds on a late fee as management tells me that the second money order bounced. Correct me if I'm wrong, but how does a money order bounce? 
Also said we need to pay that amount along with the late fee. But can no longer use any money orders to pay it. I called the money order company XXXX XXXX and asked them about it, and they said it is still good. I see later that management failed to sign back on money order. But by then it was too late. I could not pay the amount and late fees without another money order. If I even had the money too. So, I did what the law states. I had to vacate the apartment. Which I was able to cash the money order in myself at my bank later on a few days later. The amount was only {$440.00} And now nearly six months later I get a collections report put on my credit report for {$2000.00} + dollars from them. When it is not right money orders don't bounce last, I knew. I tried disputing it, and only thing i got was told it was valid and they raised the amount by XXXX dollar more. 
I do not think this is right whatsoever. Money orders don't bounce. right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX Friday, XXXX XXXX I received an email from XXXX and the greeting did not welcome, I, appropriately. The writer violated the staff of the XXXX XXXX XXXX with an incorrect spelling to the said name of, I, XXXX XXXX XXXX initials XXXX. and greeted, I, by initials XXXX. which is fraud and wrongful against the state corporation commission whom provided I, the given name initials XXXX. for use in the XXXX born from communism with extreme wealth in achievement freedom. I choose to not to contact this individual due from the improper use of the said given name until I am addressed appropriately from initials XXXX, as a man of The State of California XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
On or about XX/XX/, I received a threatening letter from ANDREU , PALMA , LAVIN & SOLIS , PLLC. In the letter they claim to be trying to collect a debt and if not compliant with their demands, such debt would be taken up in court. I then sent a letter back to ANDREU , PALMA , LAVIN & SOLIS , PLLC asking for a list of proofs that so called debt was true. They responded with 30 pages of billing STATEMENTS, this is proof of NOTHING. I then was LEFT paperwork on my front door steps. I immediately returned that paperwork to such sender/senders. I next received notice to appear in court. I am being HARASSED AND THREATENED with no due course. The burden of proof lies with this law firm not me! If said debt is valid then i am entitled to have proof of said debt ( ORIGINAL CONTRACT ). This behavior is dangerous and intimidating and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I opened this account for credit building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments which are inaccurate and in violation of 15 USC 1681. Not only are they in violation for furnishing an account with inaccuracies, but this account is also in violation of 15 USC 1666B. There is a billing error considering the accommodation and the account was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Reporting wrong information

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 2023-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I am disputing this account because I canceled the water service several months ago and requested that XXXX pick up their machine. They are trying to scam me into paying for something I do not owe. I have asked them if they continue to pursue this matter, and I will report them to the appropriate authorities. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: PA

Complaint narrative:
XX/XX/2023 : I received a phone call from a spoof number from a XXXX XXXX XXXX. 
When they asked for my name I said who's speaking? They immediately hung up. I called back 12 times that day to a XXXXXXXX XXXX XXXX in the name of XXXX XXXX XXXX 

I asked who are you? He said one second put me on hold. Then hung up. I called back again, the moment I got him again and he knew it was me so hung up 9 more times. 

Then the XXXX and last time, he finally had the XXXX XXXX to stay on the phone longer than more than he can last in the bedroom from what all the XXXX he attracts. He threaten to garnish my wages and gained personal information from me. Not really questioning if this really is the person or not. For all he knew it could have been someone having a bad day responding " YES '' ( Also probably the first time he heard that, too if you know what I mean. ) to all the answers that he wanted off the phone call. Then he said " XXXX XXXX '' and we're going to take you to court. So little XXXX XXXX XXXX XXXX' over here failed to realize, him being a third party debt collector just committed some pretty gnarly stuff. 


Number 1 is : Identity Theft. 
Since " XXXX XXXX '' over here used a lawsuit threat ( 42 USC 12203- Prohibition against retaliation and coercion ) over the phone with wage garnishments as well. That falls under per 18 USC 1028A : Aggravated identity theft, in which, I will attach that law down below so EVERYONE can see it as well. Which will also be attached below.

Number 2 under PA statute title 18 USC 4120 which states what happens when you steal someone's identity due to the fact if you're going to file a lawsuit which goes hand in hand pursuant to 26 USC 2032a 11 which would be needed first which if they don't even do that. That would lead to a due process violation that would fall under 26 6903 ( a ).

That's all I have to say for this one. It's been fun to play this game of XXXX, right " XXXX XXXX '' As XXXX XXXX would say and do XXXX hits him with the fake to the left twist, spins to the right and shoots. GAME WINNER with XXXX second on the clock baby. xoxo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Every month I have disputed to Experian, that XXXX XXXX  has been notified of Police Report from XXXX NY, XXXX XXXX THAT unauthorized use was determined!!! 
I'm the victim here!!!! 
XXXX and XXXX has deleted XXXX XXXX  from their credit reporting agency and experian has done nothing!!!

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 2023-12-22 00:00:00
Product: Credit reporting 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:
XXXX XXXX  or XXXX XXXX is not my account and I have been exposed to identity theft, I have never been provided a contract with my signed signature stating I owe this debt. Please delete immediately. I have never done business with any of these company 's not happy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Account showing missed payment. Account should be paid in full just recently made a payment XX/XX/XXXX. Sold car to XXXX after that.

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 2023-12-22 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Dcb cashed a unauthorized check and will not return monies ( {$250.00} ) to our account. Said its in the hands a FlagStar who will not responde to us. Check cashed XXXX XXXX  and have made numerous attempts to settle this matter. Now our branch DCB XXXX, XXXX  will not answer my calls.

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