vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 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: GA

Complaint narrative:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: NJ

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 balance {$410.00} Account name : XXXX XXXX balance {$1100.00} Account name : XXXX  balance {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 an account without written instructions. 


15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 


15 U.S C. 16818-2 ( AX1 ) 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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources. 

However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations. 

My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ). 

On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day. 

On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc. 

On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XXXX I contacted PNC Bank again about other transactions that were pending but held causing a negative balance. I talked to 4 different branches of PNC and was told my complaints were definitely justified but when talking to case manager she informed me that PNC would not be liable for any charges related to my account being reversed and that I should just accept it and not listen to or call any PNC branch again.Its been a constant struggle and they have left me with thousands of dollars worth of charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Veripro Solutions Inc.
State: MO

Complaint narrative:
XXXXPurchased home ( {$62000.00}. ) in XXXX, MO, using VA Loan Guaranty benefit. 
Subsequently, income & credit rating declined as credit card debt mounted.. 
XXXX XXXX XXXX home loan ( {$63000.00}. ) with XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Fraudulently induced me to 1 ) apply for {$40000.00}, to work like a bill consolidation loan for unsecured credit card. debts, based on my equity in home -- ( appraised value {$100000.00}. ) -- & formalized by Deed of Trust. 
XXXX Using cheap local lawyer, obtained XXXX  XXXX Bkrptcy, including discharge of both 1st & 2nd Mtgs. Continued occupying home & making mtge payments. 
Subsequently I launched ( pro se ) campaigns to get both lien-based debts " modified ''. In XXXX  secured a realistic income -- based modification of 1st Mtge ( XXXX ), with which I am 100 % complying.. 
Successsor of 2nd Mtge acknowledges debt cancellation, while adamantly refusing to file Lien Release. Home Hostage / extortion situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: GA

Complaint narrative:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unde

r 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.

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 2023-07-05 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/202 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022.

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 2023-07-05 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i have been harassed by phone and by mail, in which it is mail fraud, they have harmed me and my character financially for several years, this 3rd party debt collector ( PORFOLIO RECOVERY SERVICES ) falsely claims i owe them money b/c they bought several chargeoff accounts, which in fact were paid in full by the previous creditors insurance! they paid pennies on the dollar for these ( XXXX ) paid in full/chargeoff accounts and intends to fraudulently extort money from me, in which i have no contract with them or have never even had any dealings with them ai all!! contractually, one must borrow from that individual a certain amount o money in order to owe tem that amount of money, FACTS!! this company has always operated unprofessionally for a long time, many lawsuits have been filed against them for fraudulent behavior pertaining to their practices within the debt collection industry. i have been held back rom buying a home, getting other credit opportunites, credit offers and my reputation being tarnished only b/c they have constantly been reporting negatively and adversely on my consumer/credit report.i need them to stop harassing me by phone and by mail, i have sent them responses to their false claims and all they do is sell the same assumed debt to another one of their subsidiaries to start the fraud ball rolling again, i want them stopped, i want my credit report to be rid of XXXX XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: 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  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-07-04 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: PA

Complaint narrative:
The advantage XXXX score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!

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 2023-07-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.

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 2023-07-04 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: AL

Complaint narrative:
XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
XXXX/Comenity misapplied my payment and refuses to credit my account. 
Payment mailed XX/XX/XXXX ( paper check ) Payment cleared my bank XX/XX/XXXX ( credit card company processed without returning the check to the bank ) When the XX/XX/XXXX statement appeared with the unpaid amount I contacted XXXX via phone ( call reference XXXX ). 
XX/XX/XXXX received letter from XXXX/Comenity that they received my claim and were researching. 
XX/XX/XXXX received letter from XXXX/Comenity they need more information XX/XX/XXXX I provided XXXX/Comenity a ) screen shot from my bank statement showing payment to them cleared XX/XX/XXXX b ) XXXX XXXX Trace ID for the transaction c ) XXXX XXXX Transaction code ( sent via their on line ) secured message system XX/XX/XXXX received acknowledgement from XXXX/Comenity of the submitted documents via their secured message system. 
XX/XX/XXXX received a letter from XXXX/Comenity closing my account as requested XX/XX/XXXX received letter from XXXX/Comenity stating they need additional information ( again ) XX/XX/XXXX I US mailed the same information previously sent XXXX via secure message along with a cover letter that I would be happy to have a conference call with my bank XX/XX/XXXX received letter from XXXX/Comenity stating they are unable to verify they received the funds. 
XX/XX/XXXX Used the XXXXComenity secured message center to complain of the on-going inability to determine where my payment was applied. Again I offered to conference call my bank to resolve. 
XXXX Sunday received a call attempting to collect the past due amount- explained the amount is in dispute. 
XX/XX/XXXX received a response from XXXX/Comenity via their secured message center stating the issue was resolved ( i.e. their final determination was they can't find my payment ) XX/XX/XXXX respond via the XXXXComenity secured message center that I was filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE Group is trying to collect a debt of {$220.00}. This is debt is not of my knowledge. Debt was assigned XX/XX/22 to be collected by CBE Group.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I made a transaction for {$120.00} on XX/XX/2023 for a service on Cash App and the money was taken from my bank account, yet the person on the other end claims they never received it. I wanted to open an investigation on my end, but Cash App refused to let me do so. They just kept saying the funds were sent successfully. And if the person was lying and they did receive the funds, I have proof that they claimed they didnt receive the funds. They wouldnt even look into the possibility that their system may be flawed, or that I truly was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation