vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX XXXX, and Equifax are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, XXXX, and Equifax reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX Experian, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, Experian, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.

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 2022-07-12 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: NJ

Complaint narrative:
Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by TransUnion XXXX XXXX, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By TransUnion, XXXX, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have attempted multiple time to get my consumer reports from Lexis Nexus, XXXX, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 Number : XXXX Account Number : XXXX Account Number : 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 : 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 explanation
Consumer complaint received 2022-07-12 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: MI

Complaint narrative:
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

XXXX XXXX XXXX opened XX/XX/2022 balance {$25000.00} reported a late payment on my credit report 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.

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 any reasons.

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 2022-07-12 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX. I am contacting you about my checking account with TRUIST bank. This company charged me XXXX over draft fee. They credited one of them. I am contacting you because I feel I was very much charged these fees when I should not have because when these pending charges cleared my account the money was there. XXXX pending charge caused my account to go in the red. At that time ALL the charges where pending. However when the bank did their update at midnight the XXXX XXXX charge is still pending and there is money in the account to cover that XXXX charge now. I could see if when all the charges CLEARED my account was in the red but that is/wasnt the case. How in the world could TRUIST charge me these fees. I contacted them and the first CSR was going to try to refund me ONE of the fees but I told her all those fees should be removed so I wanted to take to a supervisor. She transfered me to XXXX. After taking to him, he said the account charges where correct and wouldn't remove them. Hands down this isn't right. Can you please help me look into these fees. The date is XX/XX/2022. Please let me know what other information is needed to help me fix 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 explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attempted on Thursday, XX/XX/XXXX, to remove EXPERIAN credit freeze from both my wife 's account and mine to purchase vehicle. Remove was supposed to go from that day to noon, XX/XX/XXXX. After almost two hours online during which Experian 's computers kept combining my credit report with my wife 's, were able to finally, by pure luck, to speak with a human being after calling seven different numbers. The person went through a complete redo of my account and recheck of my wife 's information. He then said both accounts were unfrozen as requested and that he would sent me a confirmation number. Instead, the confirmation number for me was sent to my wife 's email address as was another confirmation number for her. All I received was an ad for some paid Experian service. 

At the dealer on Friday, XXXX XXXX through which the dealer was financing, reported that my account was unfrozen BUT MY WIFE 'S WAS NOT and as always, we had no recourse except to send something to Experian by regular mail. This necessitated another hour at the dealership as all the paperwork was redone to reflect only me as the purchaser. This is not the first time we have had similar issues with Experian. We do not use major credit that often, but henceforth, if we encounter a business that requires a report from Experian, we will refuse to purchase. We are sick of their incompetence and buck-passing. 

Please note we have never had any such issue with XXXX or 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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was being scammed by someone saying that they were the XXXX XXXX. They were threatening me and instructing me to deposit money into an account at Chase bank. In the amounts of {$90000.00} XX/XX/2022, {$220000.00} XX/XX/2022 and {$350000.00} XX/XX/2022. When I found out that the company was a scam, I alerted Chase of the fraud to hold the money and not disperse it. I have found out that Chase let a fraudulent company open a checking account with them and has been allowing them to run fraud through their bank. We have been trying to get them to put a hold on the {$350000.00} with help from my bank XXXX  No one from Chase will give me any updates on the money. I feel that chase did not do their fiduciary responsibility to protect me by opening up fake accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2022, called to report that my Husband had passed away and in going through paperwork found credit card I did not apply for in my name. Asked them if they could mail me the application paperwork and signature card so I could see when it was taken out and what was charged to it. They said they were sorry they did not have access to that paperwork I would have to file a complaint or see an attorney to obtain.

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 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2023. {$1100.00} was taken from my Cash App account which is connected to my bank account ( XXXX ). The bank reimbursed me {$1000.00} of the funds but recently informed me that Cash app denied my claim and they would have to charge the amount back to my my account. Cash app informed me that my claim had been denied and I have asked for a call from a representative but to no avail. I have attached a copy of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I NOTIFIED XXXX XXXX ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED

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 2022-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I NOTIFIED XXXX XXXX  ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Here is a copy of the letter that was sent on XX/XX/XXXX and recieved by XXXX XXXX on behalf of XXXX XXXX at XX/XX/XXXX at XXXX am according to the us post office records and no removal or response has been made as of XX/XX/XXXX at XXXX est. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC [ XXXX ] XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Regarding Account : # XXXX Reference ID : XXXX Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, RESURGENT CAPITAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : XXXX. XXXX out the balance on this account. 

2. I do not give RESURGENT CAPITAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 

3. I do require you, RESURGENT CAPITAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, RESURGENT CAPITAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on 06/28/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions 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 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