vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: FL

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, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-01-08 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: EQUIFAX, INC.
State: FL

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 : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : ARS # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I applied for a Checking account with Vystar Credit Union XX/XX/2023 and was denied. In the letter it states that their decision was based in whole or in part on information obtained in a report from the consumer reporting agency, but also states the reporting agency played no part in their decision and is unable to supply specific reasons why they have denied my request to open a deposit account in their institution. 
Pursuant to 15 usc 1692e- The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Which in this letter, Vystar Credit Union is being very misleading once they obtained information on my consumer report.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - The bank is dependent upon my consumer report being fair and accurate.

Pursuant to 15 usc 1602 ( l ) - The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit I used my social security card which falls under the term " credit card '' and I have received no benefit which is fraudulent activity.

I put an application in in good faith but an account was not issued.

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 2023-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
This lender has failed to give consumer valid and proper opt out notice,16 CFR 313.7 Form of opt out notice to consumer ; opt out methods notice to report my non public personal information is being screened by unauthorized third party including sensitive information in regards to my place of dwelling like my residence number.actions by this company has directly violated the Gramm-Leech Bliley Act I have not agree to sharing with any third party this company has falsely misled the consumer/student into believing this was an agreement and under contract law to have an promissory note that was signed by me not properly used and XXXX include complaints to the XXXX XXXX XXXX All notices to consumers when sharing their personal information are prohibited when working without the person in whom it relates. Unauthorized use of identity is aggravated identity theft and maybe reported to the Federal Trade Commission. This company has also failed to provide original instrument of indebtedness in its original form promissory note in which was provided for the borrower, consumer behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
In XXXX I opened a credit card account only with Bank of America. When attempting to make a payment in XXXX I noticed a checking account was listed on my available accounts yet I didn't open a checking account with Bank of America. I made several calls on XX/XX/XXXX and XX/XX/XXXX. Each time I was told the account was opened online on XX/XX/XXXX. I explained I did not authorize this. I spent over XXXX hours on XX/XX/XXXX and a little over an hour on XX/XX/XXXX to only be disconnected when waiting for the fraud department to answer. Multiple representatives would transfer my call and the next representative would answer only to say they weren't the fraud the department but they would flag the account and transfer me on again. At this point I have no resolution and I do not know how my information was used to open an account that I did not authorize. 

To date I do not know the damage that could have been done, because I can't get Bank of America to take the fraud call and proceed.

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 2023-01-08 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: CA

Complaint narrative:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.

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 2023-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed XXXX XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: FL

Complaint narrative:
On XX/XX/2022 I saw an ad from Flexshopper about a XXXX on XXXX. I believe the ad said the same thing I saw on their site ; 90 days same as cash price, with a XXXX on it. Exactly the same device I was looking for but didnt bought because it was still over XXXX dollars most places but this company had it and gave me 90 days to pay XXXX so I thought it was a no brainer. AFTER signing the contract I got an email congratulating the purchase but it had on parentheses the VERY IMPORTANT FACT that as a resident of XXXX, XXXX  or XXXX  I did not qualify for the 90 days SAC option! What!!!!! You telling me this now?!!! -remember saying to my self-. Went back to the site and CONVENIENTLY for them they DONT have NO OPTION TO CANCEL THE ORDER! My new early purchase option was XXXX dollars!!!?? 
I then replied the same email with the notice and they responded a day later that I had to refuse delivery or lease would start. I asked them to be diligent on the matter because I work 6 days a week and most likely I wasnt gon na be home. Wrong of me telling them that. Because they dint even responded until after delivery was made. Now, they will NOT HONOR THE 90 days same as cash and only refund me XXXX WEEK ( XXXX ) of the lease but for that I have leave my work and ship the box to themi must fix their own mistake they say they even charging late fees for that week they put on hold the leasing. I told them it must be a scheduled pick up and they wont accept. Just XXXX weeks ago they updated their site that XXXX  XXXX and XXXX  residents dont qualify for the 90 days SAC option on the site. I have evidence and will upload it to prove that on XX/XX/XXXX their site had the promotion of the 90 days SAC option and on the bottom of their site wasnt the exclusion notice of XXXX  residents. Also, the signed agreement I have w them has no mention that as a XXXX  resident I am excluded from their promotion. This is bait and switch. Guarantee you am not the only XXXX. Please! Do something!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: MN

Complaint narrative:
XXXX Equifax XXXX please review and remove XXXX XXXX XXXX from the credit report in its entirety Equifax your report is incomplete because there is no Date of last active. 
Your date of last payment is incomplete!! 

XXXX  date of last active is inconsistent of what XXXX is saying you are reporting XX/XX/XXXX of date of last active!! 

XXXX you are reporting XX/XX/XXXX as date of last active!! 
Also XXXX your dote of last payment is incomplete. 

Guys the account number is all the same how is it possible for so much inconsistencies and missed information on one account I urge you all to remove the young entire trade line from all credit reports and send me an updated credit report showing the reflection of the deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC systems has violated my Federally Protected rights, I have not given IC Systems the prior consent to contact me which violates 15 USC 1692c ( a ).. I do not owe a 3rd debt collector nor am I responsible to pay one pursuant to 15 USC 1692a ( 3 ) this is an alleged debt and you are now on Notice To Cease & Desist all communications from me from all mediums as stated in attachment

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 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NJ

Complaint narrative:
A Debt Collection named in the complaint ( Credit Control LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named Citibank NA as fraudulently opened and closed which no further collection attempting such have continued under the law. 

I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.

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 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
In reviewing my credit report I noticed the following debts placed with Collections Professionals in 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} I immediately sent a certified letter requesting validation of the debts, to which Collection Professionals responded that they did not have enough information from me. I copied my credit report information and re-sent them another letter via fax on XX/XX/22 to which I received another response stating they did not have enough information to reply. 

I have attached some documentation to prove that I have sent information to them requesting validation of the debts. 

I need these debts validated as I have no information on them and they are severely effecting my credit score and would like to hold this company accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: EQUIFAX, INC.
State: GA

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 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Experian Information Solutions Inc.
State: GA

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 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.

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 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo payment of XX/XX/22 confirmed by Venmo that Transaction ID XXXX for {$300.00} from me, XXXX XXXX ( Venmo name @ XXXX ) to XXXX XXXX ( Venmo Name @ XXXX ) was successfully sent and received, however : 1. Although I see the transaction in my Venmo App as complete, XXXX XXXX does not see any transaction and never got a companion email from Venmo notifying him if a transaction ; 2. Although both of us have called and discussed the issue numerous times, they say the transaction was successful and XXXX XXXX received the money ; 3. My phone and email correspondence to get a resolution only leads to " the transaction was successful, the recipient has received their money. Thank you for using Venmo. '' NOW TODAY I CALL MY BANK AND THEY SAY THERE IS NO VENMO TRANSACTION FOR {$300.00}. 

THEY DO SEE A {$1.00} TRANSACTION WITH XXXX XXXX WE BOTH AGREED WOULD GET US CLOSER TO UNDERSTANDING WHAT HAPPENED. 

I STILL WANT A FULL EXPLAINATION OF WHAT HAPPENED BECAUSE MY VENMO ACCOUNT STILL SHOWS I PAID XXXX XXXX AND VENMO THAT XXXX XXXX GOT THE {$300.00}. 

I DID RECIEVE A MESSAGE FROM ANOTHER VENMO USER VIA THE VENMO APP FROM XXXX XXXX. HE ASKS IF XXXX XXXX RIPPED ME OFF WHEN TRYING TO BUY SOMETHING ON XXXX XXXX. 

I WOULD THINK I WAS RIPPED OFF IF VENMO SAYS I PAID XXXX XXXX AND XXXX XXXX SAID HE SEES NOTHING BUT ITS UNLIKELY : 1. I've had personal conversations with XXXX XXXX on XXXX occasions while trying to troubleshoot this problem and if he took my money he would not have likely bothered. 

2. If my bank says Venmo never took {$300.00}, then maybe Venmo created a phantom transaction - like one does when testing a system - and doesn't realize this transaction was executed on a test system. 

Anyway, I need to know exactly what happened and why because Venmo could turn around anytime they want and take my money and say I authorized it. If its months after XX/XX/XXXX, I may not be able to dispute it with my credit card company, XXXX XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation