vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: USCB Corporation
State: MD

Complaint narrative:
I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Publishing collection account information on my report that's a part of identity theft. XXXX, and Experian.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
DATES SHOWN IN ATTACHMENTS ACTIONS TAKEN TRIED REACHING OUT TO XXXX XXXX XXXX, TRUSTEE, AND INDENTURE TRUSTEE SENDING REGISTER BOND WHICH WAS ALSO SIGNED FOR RETUNED BACK STILL NO ACTION TAKEN NOR RESPONE GIVEN. 

15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. 

( A ) credit or insurance to be used primarily for personal, family, or household purposes. 

( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

18 USC 1951 INTERFERING IN COMMERCE CAUSING HARM AND THREATENING MY PERSONAL LIBERTY, RIGHTS TO CONDUCT TRADE OR BUSINESS. THIS IS A VERY VIOLENT ACT AS IT CAUSES ME TO NOT BE ABLE TO FEED MY FAMILY AND HARM UPON MY PURSUIT OF HAPPINESS TO FEED MY FAMILY. 

DENIAL OF CREDIT IS INTERFERING WITH COMMERCE, USING A CREDIT REPORT TO DENY ME CREDIT INTERFERENCE IN COMMERCE. AND YOU CAN NOT DENY ME MY RIGHT TO CONDUCT TRADE AND BUSINESS BASED ON THE FACT IM PROTECTING MY RIGHTS THATS DISCRIMINATION AND INTERFERENCE IN COMMERCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I applied for a Credit card because it included a {$200.00} gift card from XXXX. 
I received an email to prove my identity. I uploaded my current DL to the Chase website. 
Then i received another email asking me to verify the same. I spoke to a customer service agent who transferred me to the Fraud help desk and i was asked to go to the Chase Branch in Billings, MT with two forms of ID and have them verify. I took my US Passport and my Current DL. THESE WERE VERIFIED BY THE CHASE BRANCH OFFICER who faxed or emailed a copy of each to the credit card division. 
I have not received another email and letter asking me again send the same information once again. REFERENCE NUMBER : XXXX I believe this is harassment and putting obstacles in my way so that CHASE can deny my application. 
I have a credit score of XXXX, with a XXXX XXXX XXXX job that pays a six figure salary, so there is no reason to deny my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX 2013 shoud be removed, deleted and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account is fraud listed below. I demand it is removed from the credit reports immediately. XXXX Account # XXXX. The identity report is attached to this complaint.

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 2023-08-04 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: PA

Complaint narrative:
This account is fraud listed below. I demand it is removed from the credit reports immediately. XXXX Account # XXXX. The identity report is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX You are reporting this collection with a past due amount of {$830.00}. 
This is inaccurate reporting and needs to be removed immediately. 

You are also reporting this collection account as active when it was voluntarily closed by me in XX/XX/2020. Once a consumer has voluntarily closed an account, it MUST be reported as such by credit furnishers and credit reporting agencies.

Please send me a copy of my credit report when the above deletion has been removed.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04 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: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I opened a line of credit online with cash 1 in XX/XX/2023. The type of credit I applied for was a personal loan. I was approved for XXXX dollars and a XXXX dollar one time fee was added to that, so my loan amount should have been in total XXXX dollars. I live in Arizona where 10 % is the max apr. The total apr for this amount should be XXXX. I do not have a vehicle, and did not apply for a title loan. Apparently one of the online employees added a vehicle not belonging to me to the paperwork. I did everything online, and never was given any paperwork through the mail, email, or through the telephone app, nor can I find a copy of any of my paperwork. I have already paid XXXX dollars towards interest alone on this loan, three times what it should be for the entire year. I can prove I never owned a XXXX XXXX XXXX which is the vehicle they are claiming I put on my paperwork. They are intentionally and illegally frauding me. They refuse to fix this situation. I really need help. I'm a XXXX XXXX XXXX woman, so these fraudulent charges are coming out of my social security check every month. I have paid in total so far XXXX dollars of a XXXX dollar loan. With the interest added on, I should only owe XXXX, but they are saying I owe XXXX dollars. That's more than I even borrowed. I had no way of knowing they would do this, and the company shows XXXX  interest in correcting any of it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is fraud listed below. I demand it is removed from the credit reports immediately. XXXX Account # XXXX. The identity report is attached to this complaint.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I purchased a money order from Western Union. It was sent back to me by the company I sent it to, as they went out of business. I put in a refund request thru Western Union for the money order. I was sent a check by Western union for the {$24.00} as a refund. 

Twice now, in XXXX and XXXX, two checks that were issued by Western Union have been returned. Stating unable to locate account. 

I am in hope that the CFPB can assist me so I can finally receive my money. I am requesting the {$24.00} as well as two {$35.00} return check fees, totalling {$94.00} be issued to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
A debt was reported on my credit report that was released on XXXX XXXX. I attempted to dispute the debt with the property management company who managed the home I lived in. They sent me inaccurate statements and invoices and I was in the process of disputing the validity of the debt. The owner of the company XXXX XXXX sent me an email stating that I was not willing to pay or negotiate ( I was attempting to validate the debt ) and he stated and, in his email, " my company no longer manages this property. We will inform the owner that you are not willing to pay or offer a settlement. They can escalate to collections if they choose. Any future correspondence must be directed to owners of the home '' I am leaving out the names for privacy. I did not have the owner 's information because the property was being managed by XXXX XXXX. No further attempt to validate the debt occurred by either XXXX XXXX or the owners of the property. Five years later it appears as a collection on my credit report. I could not continue to pursue validation from XXXX XXXX due to their request and statement of not owning the debt. I had no contact with the owners who XXXX XXXX states now owns the debt. I do not owe XXXX XXXX, now the XXXX XXXX any money because as they stated they no longer represent the property, or the owners and any further collection must come from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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