vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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 15 USC 1681. 
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 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 2023-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
My insurance company paid the debt to Santander Bank and someone called me to verify the account and payment. I am no longer responsible for any debt and collection agency received notice to provide proof of my signatures with in 45 days of receiving notorized letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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:
Account : XXXX XXXX XXXX XXXX : {$1400.00} Account date : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX Amount : {$830.00} Account Date : XX/XX/XXXX Account : XXXX XXXX XXXX : {$260.00} Account Date : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : {$9100.00} Account Date : XX/XX/XXXX Account : US Department of Education Amount : {$12000.00} Account Date : XX/XX/XXXX Account : US Department of Education Amount : {$6800.00} Account Date : XX/XX/XXXX Account : XXXX XXXX - XXXX Amount : {$1500.00} Account Date : XX/XX/XXXX Account : XXXX Amount : {$2200.00} Balance : {$0.00} Account Date : XX/XX/XXXX Closed : XX/XX/XXXX 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of 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 non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
In XXXX, I was reviewing my consumer report. There was a inquiry on the report from Comenity/Jared that I had a concern about. They disputed the inquiry, but somehow disputed the accounts that were connected to comenity, such as Victoria Secret, JCrew, Comenity Mastercard, XXXX  's reward. How can this be mistaken as accounts???? In XXXX I went to Jcrew with the card in question to use the card and it was closed, I tried my mastercard only to find I couldn't use it either. I called and spoke to a representative which explained what happened so he said so you didn't report it stolen??? I said no i'm in the store now. He said well I will have the account reopened. I had them check my other accounts to make sure there were no issues and I explained that it was a inquiry for Jared so he looked and said there were no accounts open under that name and I said I know, but the inquiry is there so he said he understood and would assure there'd be no issues only to find a whole month later still issues and I have all of these cards in my hand, and I have worked very hard to maintain my good credit. I have paid every single bill on time, never called them with any issues and it's on my consumer report as paid. I have over 74 credit cards and I pay each one of them when I am supposed to. Im in the process of buying a new house and I don't need this negative activity on my reports. This is unfair. I'm the legal consumer and I control what goes on my reports. I am the one who applied for these cards and got approved because of my good credit. I should not have to reapply and put a inquiry on my report for something I had anyway. This definitely was a mistake. When I spoke to XXXX, XXXX said the card shows on my consumer report as still open. This is a bad representation of how a good consumer is treated that pays every bill on time. No one called me to verify if this was me or not. They just closed the account. Question : Why would I dispute cards I frequently use??? It doesn't make sense They even said they would send new cards to these accounts to fix the issue. Why deny me credit to the cards I have all in my hand?????? 
This is an embarrassment. Especailly in the stores i'm familiar with. 
My XXXX  reward I got that for being a member at XXXX XXXX, You have to be a member. I swiped my Drivers License to get approved and I did. So you mean to tell me that I have to go in the casino again to reapply for a card I had???? This is unacceptable!!!! And with comenity I have about 24-30 different cards in my name so they didnt think this thru. Your gon na do your longtime active consumer like this. Causing me to definitely want to take my business elsewhere losing all good active accounts if they can not fix this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account 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 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit 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 2023-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  reduced my personal line of credit due to the misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, by XXXX XXXX XXXX and XXXX, XXXX Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA

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 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
This request for Validation for ACCOUNT # CNAC-XXXX Date of Charge Off : XX/XX/2020 made pursuant to the Fair Debt Collections Practices Act. Be advised this not a refusal to pay, but a notice that your claim is Disputed and Validation is requested. This is NOT a request for verification or proof of my mailing address, but request for VALIDATION made pursuant to 15 USC 1692G Sec. 809 ( b ) of the FDCPA. I noticed that there has been an account placed in the charge-off status. I Request All Documentary evidence needed to Prove This Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2

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 2023-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I want all Ive submitted investigated for the three Illegal acts that require estoppel and restitution granted in the sums consented to in the settlements covering the first and second violations of Mr cooper and seterus Inc proven to be Mr cooper still and the associated banks which make all contracts void illegal and not enforceable and restitution mandatory ; however none of this has happened at all. All dates are in the illegal documents provided and are all out of legal bounds and not required to be used as a weapon against anyone who has been proven innocent and owner of the property as decided and already convicted and sentenced to settlements and fines for violating the orders of law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I am having problems with the First Horizon Bank, who I have been a loyal customer for years, even after they have been bought out multiple times. 

I was not able to get into my account through XXXX because they changed how their login works, tying it to an old phone number to be able to login in that I no longer had access to. 

And was unable to check my balance and made me overdraft multiple times, with the the first being one of XXXX XXXX and then if spiraled to the total amount of XXXX XXXX 

I called them on XX/XX/XXXX to finally fix this problem and noticed how much they were charging me on overdraws. On XX/XX/XXXX they refused to refund/cancel the all of the fees. It feels like they are stealing money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Early XXXX  there was a fraudulent account that was reported on my credit report from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I later found out the company was hired by XXXX XXXX. I contacted XXXX to have the accounts removed. After 5 months of investigating it was determined that the account was indeed fraudulent. I received a letter from XXXX stating that they will have the account removed from my report. However XXXX XXXX XXXX did not remove the account, they just reported it as paid which is still having a negative impact on my report. I have tried to dispute the account with TransUnion over 3 times but they still keep coming back with the account being accurate. I have filed police reports, mailed proof of the accounts being fraudulent but they refuse to update my account. I would like to report these three companies. XXXX XXXX, TRANSUNION and 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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : 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 2023-03-25 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:
To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX  ; Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: GA

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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: GA

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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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 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 non-monetary relief
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
Equifax continues with their explanation of there not being a bankruptcy on my credit report, however as of XX/XX/2023, I received a copy of my Equifax credit report with XXXX XXXX : Explanation : a bankruptcy is own your credit report. This information is coming from their company and their sources. Then they investigate and their results show that no bankruptcy is showing on my credit report. They are saying one thing but the information that they are dissimilating about my credit shows something totally different. 
Therefore their investigative results still prove to be erroneous. There need to be a more thorough investigation because this misleading information is somewhere in their system. If it were not, it would not show up on the recent credit report that I received. I received a response from them on XXXX XXXX, 2023 and it does not seem that much effort was put into their search.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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:
In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name Transunion, XXXX, XXXX have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.

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