vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
National Credit Adjusters has a negative inquire on my credit reports. I have no signed contract with the company. As per XXXX and XXXX, the account has been open since XX/XX/2019 for the amount of XXXX. I have no written, electronic, or verbal agreement with NCA. This collections report needs to be removed from my credit report ASAP as this debt is not mine. I have tried numerous times to remove the account but the credit reporting companies are failing me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020

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 2022-06-25 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: NY

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: GA

Complaint narrative:
I filed a dispute with Bank of America for fraudulent charges on my account from a company that I had not opened an account with. The account was opened fraudulently by an ex that stole my routing and account number to open a new credit account at a XXXX XXXX XXXX store that his friend worked for and helped him open the account. None of the dates on the paperwork from the company where the account was opened match up. My ex even used his debit card to make the down payment and his email address so I would not know anything about the account. Then my checking account was electronically debited repeatedly for the monthly payment. After filing my dispute with Bank of America I was notified that they investigated it and that it was not a fraudulent account because of an electronically taken signature stating my name. They didnt even want to accept any of the documents of proof that I had. Nor did they care that I already had proof through credit reporting agencies that my had indeed opened other fraudulent accounts that were recently taken off my credit report

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 2022-06-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act SYNCB/PAYPAL CREDIT CARD Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and Equifax continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXXXXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
My checking account was charged an unauthorized charge from Zelle. My bank name is XXXX XXXX Bank. Zelle charged my checking account without any authorization. I have never had any dealings with Zelle and don't know who they are or what they do. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting act 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 Acct without my written instructions. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2022-06-25 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: FL

Complaint narrative:
fraudulent account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
fraudulent account identity theft

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 2022-06-25 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: PA

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-06-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX. XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX ( {$260.00} ) Account # XXXX, XXXXXXXX XXXX XXXXXXXX ( {$170.00} ) Account # XXXX, XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 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 Acct without my written instructions. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-06-25 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 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 Acct without my written instructions. 

Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: DE

Complaint narrative:
I closed out my XXXX account during the pandemic to cut back on bills. I actually had a line with them with XXXX of my children on and and I was also with XXXX and had XXXX other child on that account. I closed out XXXX and put everyone on XXXX. I was paying the balance with XXXX and then my household caught XXXX. We were ALL out of work and I didn't pay 2 of the last payments with them. I finally called and they said it was charged off because the majority of it was paid off. I had no payments left in their system. A few months later, my XXXX XXXX XXXX son, who now has that phone with that number, was complaining of someone calling about a XXXX  bill constantly. I answered the phone and without saying who I was, I was told it was XXXX XXXX XXXX and they were collecting a XXXX  bill. I hung up because I'd already had that conversation with XXXX. That went on for months and I guess finally the sold the account to someone named SOURCE RECEIVABLES MANAGEMENT. I have not spoken to them at all but I did receive something in the mail from them pertaining to said XXXX bill. 
I am in the THROWS of buying a house RIGHT NOW, as in looking and pre-approved already. I do not have time for their nonsense. According to XXXX, I no longer owe them anything. The date this started with this latest company XX/XX/2022 when it appeared on XXXX. The time I spoke to XXXX was somewhere between XXXXwhen I was home with XXXX XXXX and they kept calling my old phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I receive XXXX calls a day from Goodleap regarding a loan for solar power system that have been defective since installation. I have informed Goodleap of this issue with XXXX XXXX XXXX, which XXXX has agreed to pay the balance for due to their faulty system. I am currently in communication with XXXX XXXX XXXX to resolve this issue. 

I have explained this to Goodleap on at least XXXX occasions, and they insisted on reporting this to credit agencies to affect my credit. I have most recently received calls as recent as today ( XX/XX/2022 ).

Company response to consumer: Closed with explanation