vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MONEY SOURCE, INC., THE
State: OK

Complaint narrative:
The Money Source did not provide complete responses with documentation requested in my debt validation, QWR and accounting request. XXXX response was it would be " too burdensome ''. They have violated the Privacy ACT & divulged my private information into the public as well as effected my ability to extend my credit by reporting negatively to the Credit Bureaus when under the Cares Act. XXXX has harassed, humiliated, intimidated as well as tried to exhort me since they bought the alleged loan. XXXX is in violation of TILA Title 15 1635,16 CFR 33.2. XXXX has not only breached any Trust, but disclosed non public information without my consent and used the mail to harass and intimidate knowingly and willingly. This is a scheme to steal personal, family and household goods. 
I have the right of rescission if not provided at closing and XXXX was provided the documentation by the consumer, but XXXX has again completely disregarded my rights as a consumer and have moved to foreclose. There has been no contract or consideration made with the Money Source. This is a breach of Trust and violation of Title 15 1666b, e and denial of my rights under the Color of Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MO

Complaint narrative:
I had accidentally locked my credit, not sure if I did lock or freeze, but lately when I tried to contact Experian which originally put a hold on my account I am not able to reach anyone, I have made several attempts and called several numbers as available on website to do the credit unfreeze but everything is a dead end, their is no human being that answers the automated prompts will let you go roundabout a few times then they will disconnect the call. 

XXXX XXXX XXXX XXXX, option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit lock or unlock should not be such a cumbersome process and each of the credit reporting agencies have an obligation to have real human being to answer the calls.

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 2022-09-16 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 to 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. 

XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without 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 2022-09-16 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 to 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. 

XXXXXXXX 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 has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report

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 2022-09-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-09-16 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: PA

Complaint narrative:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: PA

Complaint narrative:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report

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 2022-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Macys credit card. The cashier Open a credit card for me and print out double receipt give XXXX to her friend and want to me. then I started receiving message that somebody is using my credit card. I filed a credit card complain but not took care of the right way.

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I purchased multiple trips from XXXX XXXX and XXXX for United States Veterans. After corresponding with other veterans who also bought trips from this organization that claims to be a not-for-profit, I came to realize that XXXX XXXX is running a Ponzi Scheme and is defrauding XXXX veterans and active duty military by selling retreats and then not providing these trips and then not refunding the money. When I went to Capital One to recover my funds, they refunded XXXX of the money but refuse to refund the remaining {$1000.00}. Of this, {$750.00} is for a trip to XXXX XXXX in XXXX that XXXX has already cancelled after bringing a group of 60 veterans there in XXXX and having a disaster that included no accommodations, no food, and no return airline tickets. I have requested Capital One 10-15 times to reopen my case. I have sent them information over and over. I have sent them messages from XXXX stating that all trips for the rest of this year are cancelled. They refuse to do anything whatsoever to help me, as XXXX challenged the charge before the disastrous trip, and as she was stealing from the veterans she was working with, has gone to ground and can not be found any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
When I pulled my XXXX credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are Pentagon Federal Credit Union and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.

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 2022-09-16 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: VA

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without 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 1681 s-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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX / XXXX ) ( XXXX  XXXX XXXX / XXXX ) ( XXXX XXXX XXXX / XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as highlighted public record information. 

Transunion Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX / XXXX ) ( XXXX/ XXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.

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 2022-09-16 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: VA

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without 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 1681 s-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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX / XXXX ) ( XXXX XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX / XXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

Equifax Account Numbers : ( XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX well as highlighted public record information. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX  / XXXX ) ( XXXX XXXXXXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: VA

Complaint narrative:
This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Equifax. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX PROFESSIONALS, L.L.C. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the equifax data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Equifax and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number XXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. this company add a different amount and different dates in XXXX report it was reported XX/XX/XXXX when previous report the company was going comply by deleting this account from my credit report XXXX. 
previous complaint XX/XX/XXXX complaint file # XXXX Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number # # # # # XXXX Original Amount Owed {$3300.00} Amount {$4000.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX : 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 2022-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX : 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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX deposited {$6000.00} check via the online mobile banking app. Received a secure message from chase stating my funds would be available on XX/XX/22. Checked the status online on XX/XX/22 and my account was closed. I could still see the message that my funds would be available on XX/XX/22. I called the customer service line and was told that because my account was closed they would send me a check in the amount that was deposited to my address. XX/XX/22 called to check status of the check to see if I had been sent to my address yet. The representative then told me that a check would not be sent to my address and if I had the original check I deposited I could go to a different bank and cash it in there. I went to XXXX  XXXX XXXX which is who I also bank with. XXXX  XXXX XXXX deposited the check at the branch and told me the funds would be available on XX/XX/22. On XX/XX/22 XXXX  XXXX XXXX stated that they could not deposit the funds into my account because it was a duplicate. I called chase to notify them of this and to see if where my funds were. They told me to contact the issuing company- the state of New Mexico XXXX board. I contacted them and they stated that the check cleared and was paid on their end on XX/XX/22. XXXX XXXX sent me an email with the receipt proving that it was paid out and cleared on their end to XXXX account. I called chase back to inform them of this and they continue to tell me that the check had been rejected and to contact the NM XXXX  board because they should have my funds. I have contacted them on multiple occasions and even have proof that they paid out in the amount of {$6000.00}. I have yet to receive my funds from chase.

Company response to consumer: Closed with explanation