vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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 accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect

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 2023-01-05 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2023-01-05 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible 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 2023-01-05 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022, I started a business Paypal account. After adding my personal information with no problem, I tried to add my bank account information but Paypal required my bank logins, username and password. I was not able to simply add my routing number and account number. 

On XX/XX/XXXX. 2022, I, again, attempted to add my bank account information. Once again, I could not add my routing and account number. 

So, I called Paypal Customer Service. I told the representative that I was uncomfortable giving my username and password for my bank account because of possible breaches that could occur. The representative told me that Paypal was secure and that there would not be a breach. 

Following this, I closed the account and searched with XXXX to see whether Paypal had previous breaches. They had breaches as recently as XX/XX/2022 which were reported by various news agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX So, the representative lied to me. Since she lied to me, I know that she and other Paypal employees would tell the same lie to anyone who questions this Paypal requirement. This could effect millions of consumers and businesses for millions to billions of dollars if a breach occurred again. 

Additionally, Paypal would not allow me to add my XXXX to my business account. They required my Social Security Number. This is highly unusual with business accounts and could lead to tax evasion by those who wish to evade taxes. 

I am attaching a screenshot of the Paypal requirement as I stated and an audio file that I recorded while speaking with representatives at Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my Equifax credit report and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018 and have been on my file since then. I have disputed this information with Equifax to get no response, or just completely ignore the fact that the information, is incorrect. Equifax is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy XXXX  has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
So how is this placed on my consumer file since the court did not furnish this information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to get my information corrected on my report My Namw is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX My employer is XXXX XXXX XXXX All of the rest need to be removed because of fraudulent activities.

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: OK

Complaint narrative:
Never heard of this company until today. Not sure why theyre calling me multiple times without leaving a message. Heard they are scammers collecting from the dark web to harass people for money. Will call family members and employment for personal information pretending to work for the government or courts. Not to mention using spoofing tactic or phishing email to track you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been dealing with issues with this company for the past few years.We tried to Refinance this loan for modification during Bankruptcy in XXXXWells Fargo denied us a modifiaction.Then after my husband passed in XXXX to his name only being on the loan.Wells Fargo went in behind my back and had my property reappraised at their cost and tried to get me to Refinance this loan with a upgraded home value.Then they suspended my online account access.My payments have been increased without any explanation why.This company keeps saying my escrow account is short but its not adding up to the payments being made.My calls in the past were ignored and not returned.I did seek legal counsel and was told the Loan does look predatory and their actions are unjust.I 'm prepared to seek legal action.Wells Fargo it looks like is trying to take advantage of my name not being on the loan due to my Spouses passing.I have a right to know where my money is going .I have XXXX children to support as a single parent.I have made payments on time due to wanting to keep our home.Every year my home payment keeps being changed.My loan balance due should be lower than what it is showing.

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 2023-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was denied an apartment due to incorrect information reported on my background.

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 2023-01-05 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: IN

Complaint narrative:
Requested an investigation into this item. Asked for detailed information about this account and received nothing but generic response. Asked for re-investigation because each bureau has something different. ( Dates, amount, creditor, Status )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Requested an investigation into this item. Asked for detailed information about this account and received nothing but generic response. Asked for re-investigation because each bureau has something different. ( Dates, amount, creditor, Status )

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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC, Transferred alleged account numbers XXXX and XXXX to a different lender and I was not notified with any documents. The last correspondence was sent to the LVNV FUNDING LLC from me in the form of a dispute. Instead of the company responding to my dispute, they instead sent it to another lender without responding to my request. This is clearly a violation of THE FCRA 15 U.S. Code 1692c - Communication in connection with debt collection. It also violates 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. As a furnished, this company has a duty to make sure ( me ) the consumer is fully aware of what changed on an alleged debt and to make sure the furnishing to any CONSUMER REPORTING AGENCY IS ACCURATE. I WANT THIS ACCOUNT DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
A debt of {$210.00} started appearing on my XXXX  credit report from Aargon Ageny for an XXXX XXXX from XXXX XXXX  that went into collection near the end of 2022. I was not aware of this bill. I have not received one correspondence from XXXX XXXX  stating I owe anything. I also told them that it is impossible for me to have any XXXX XXXX from XXXX  because I haven't lived in the state for almost 5 years. The account was opened XX/XX/2022. That is impossible for me to open an XXXX XXXX  account in 2022 when I live in 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 2023-01-05 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: CT

Complaint narrative:
EQUIFAX under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EQUIFAX is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EQUIFAX has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EQUIFAX has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' EQUIFAX has included such accounts on my consumer report. EQUIFAX is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EQUIFAX has included such account in my consumer report. I DEMANDED removal of these accounts and EQUIFAX has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EQUIFAX to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EQUIFAX CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EQUIFAX has committed fraud for conducting a none requested Fraud Reinvestigation. EQUIFAX is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 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 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 fo any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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 # 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 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 fo any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: PA

Complaint narrative:
someone used my personal information to open fraud accounts

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 2023-01-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
someone used my personal information to open fraud accounts

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Cks prime investment is reporting that I have and open account. I do not have an open contract with cks prime investment. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.

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 2023-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB Management Services , Inc had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' NCB and XXXX XXXX violate this act when my information was illegally obtained without my verbal or written consent.

Company response to consumer: Closed with explanation