vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I submitted a compliant about a very similar debit that was not mine. The previous complaint ID was XXXX and it was in regard to XXXX XXXX saying I owed {$460.00} and the collection agency at the time was XXXX XXXX XXXX During that time, it was showing up on my XXXX credit report, when the compliant was resolved and identified as an error on XXXX, it was removed off my credit report. Now on XX/XX/2022, I received an alert from XXXX that I had a new collection account open. After I reviewed the information, I found that the amount was the same of {$460.00}, but the company was XXXX, and the collection agency this time was MRS BPO LLC. I did contact XXXX on XX/XX/2022 at XXXX XXXX  to see if anything came up on their end with my social security number and the amount of {$460.00}, but nothing came up. This again tells that there is an error on XXXX 's part or a potential fraud.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
I pulled my consumer report in XXXX of 2022. I noticed that there are several accounts in my report that I did not give consent to be furnished. Pursuant to 15 USC 1681b ( 2 ), " consumer reporting agencies may furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ''. I never instructed any consumer reporting agency to furnish or create a report. This is a direct violation of federal law of my right to privacy. I demand that the following accounts be removed : old addresses and phone numbers, any and all late payments, charge-offs, and collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received my Barclay 's XXXX XXXX XXXX on XX/XX/XXXX. As stated in the signup bonus for the credit card, upon spending {$2000.00} in the first XXXX days, I would receive XXXX AA points and a {$95.00} statement credit. I met this spending requirement and I have received my points bonus, however I have not been given my {$95.00} statement credit. 

I contacted Barclay 's on XX/XX/XXXX asking them when I would see this credit ( message attached in " Barclays XXXX '' ). At this point they replied and stated I would see the credit appear at the close of the billing statement. This billing statement passed, and I did not receive my statement credit. 

I sent my second message to Barclays on XX/XX/XXXX ( message attached in " Barclays XXXX '' ). Once again I asked where my statement credit is. This time however, they replied that now I apparently never had the {$95.00} statement credit offer attached to my account. They said this despite me signing up with this offer ( see attached " Barclays offer '' ), and also previously answering my email and stating that I will see the statement credit at the end of the billing statement. 

As of XX/XX/XXXX, I am yet to receive my {$95.00} statement credit, despite being told I would have it by now. They owe me this credit.

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 2022-08-07 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.

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 2022-08-07 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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 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 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was purchasing online goods from a vendor I had met via social media, I had previously bought from this person and they had turned out to be legitimate. I recently sent him XXXX XXXX via cashapp for an online program but did not receive it at all and they ignored me. I already marked the transaction as a scam on cashapp and requested a refund. I also sent support a message asking to dispute the purchase but I read online that cashapp does not usually give refunds for scams or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

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 2022-08-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

discover credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, XXXX, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
hello there to whom it may concern on XX/XX/2022, I had extended my credit towards purchasing a new are used vehicle I was denied after a few days later I started to receive mails of adverse actions stating that they were unable to grant me credit after checking my consumer reports I saw derogatory information that was no supposed to be on a consumer report pursuant to 15 usc.1681 This means federal laws has been broken which is a violation of my consumer rights. I had disputed these items with Equifax which keeps coming back verified/factual I was never a part of the initial investigation or the reinvestigation I wasn't given a chance to to deny these alleged allegations these grave mishaps of Equifax are hindering me and my family from enjoying life as a consumer I am willing to look away if they remove these items or I will further escalate the matter i have given Equifax more than enough time to correct these errors. Equifax refuse to compile see exhibit A & B Thank you for your cooperation the consumer naturally person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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:
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I contacted the agencies and they have not done anything they violated 15 USC 1681 A ( 3 ) in which they did not have my consent to share any of my information 15 USC 1681 A ( 4 ) They were unfair and partial and did not respect my rights. 

They failed to provide me with a copy of the consent pursuant to their data sharing policy. 
All of my student Loans are reporting incorrectly, all of my credit cards are reporting inaccurately. My mortgage and my car loans are reporting incorrectly and missing information. 

Please assist me in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX I noticed a delinquency on my credit report from Santander. I purchased a car from XXXX financed by Santander on XX/XX/XXXX. The payments were supposed to begin on XX/XX/XXXX. I'm in the process of moving and despite having mail forwarding set up with XXXX I didn't receive a bill or mail of any kind until XXXX when I received a bill dated XX/XX/XXXX for {$270.00} ( {$260.00} Due + {$6.00} Late Fees ). I contacted Santander, paid the bill in full immediately, and asked why I wasn't contacted sooner. I was told that the phone number Santander had on record for me was XXXX digit off from mine and that they had tried to send mail previously but it was returned. Santander refused to remove the credit delinquency. I don't understand why they would report this against my credit when they incorrectly recorded my phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-08-08 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: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. Sincerely, 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
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
It has been publicly announced that Equifax has been promoting scores and error. I sincerely trust my score was incorrectly presented through this bureau and also through XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: NY

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, I alerted TransUnion to incorrect information being published to my credit report regarding XXXX accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. TransUnion has failed to validate the information it has published to my report and the incorrect information is still appearing on my report. I have reason to believe that TransUnion is conspiring with alleged " creditors '' in an effort to extort me. Transunion actions are having an adverse effect on my life, my credit, and my ability to meet my basic needs. I have provided specifics to TransUnion on more than XXXX occasion - there is no reason why my claims could not have been thoroughly investigated and rectified pursuant to my requests/ demands regarding such. I am creating this complaint and including details here for the convenience of TransUnion. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment. 

Potential TransUnion file number : 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 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Credit Bureau ( XXXX, TransUnion or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

XXXX credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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
Consumer complaint received 2022-08-07 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 XXXX XXXX Account # XXXX, XXXX XXXX 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 2022-08-07 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 Account # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IL

Complaint narrative:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I've been getting several phone calls everyday by this company Portfolio Recovery to all the phone numbers I have as in work, emergency contact, home and alternative contacts. Myself and my emergency contact told them, to stop calling and that we're not even sure of what debt they're even talking about as I've had multiple XXXX XXXX accounts since and before XXXX but disputing it didn't do anything. I don't know what else to do. I have attached just a few of the calls to my main number.

Company response to consumer: Closed with non-monetary relief