vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 1981XXXX 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 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 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, 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 inaccurat

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both Transunion and XXXX have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can Transunion and XXXX verify these accounts Remove all accounts : XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a 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 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one, has two fraudulent accounts reporting to my personal consumer credit report, which is encumbrances to me, this is effecting my credit worthiness, and causing me harm. I used this verbiage Capital one does not have my consent to use any identifying information and all said information is to be purged immediately or destroy immediately from their system. Any further use of identifying information pertaining to ( XXXX XXXX ) is deemed aggravated identity theft as described in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have recently received three alerts over the past 4-5 day from my identity theft protection company saying that accounts have been opened in my name with the creditor TD XXXX. I called the creditor on XX/XX/22 explaining the situation and they were going to freeze the accounts pending investigation. I received another alert today, XXXX/XXXX/22, saying another account was opened. I call TD XXXX  again and they couldn't find any other accounts matching my personal information. I have since put a fraud alert on my accounts with all three credit bureaus, and am planning on putting a credit freeze on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a new savings account in an attempt to receive XXXX for every XXXX deposited as an early sign up bonus. The check I deposited was from the liquidation of my trust and addressed to my maiden name. The check was unable to be deposited even though I have been with Capital One prior to being married. Capital One was able to verify my identify/ maiden from account history and still were unable to deposit the check due to policy. Further, they offered no other way to gain access to funds, such as sending in marriage certificate. XXXX case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted METRO 2 COMPLIANCE regulations. This creditor ( XXXX XXXX  ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted XXXX XXXX COMPLIANCE regulations. This creditor ( XXXX Bank ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX and Cashapp verified a scammer account, when I requested a refund of {$140.00} each company told me they couldn't because it was their policy or they could not " find '' the person. Now I'm finding out this is a large scam and including using XXXX but no one is taking responsibility for the scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX XXXX XXXX Inquiries I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I had an old PayPal account and I received XXXX hard credit checks from them for a new Business Credit Card XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ). I called them and they closed the application and marked it as fraudulent. They told me my PayPal account associated was a business account and to call another service number for help closing that account ( XXXX ). PayPal had trouble finding the account, but eventually were able to find my old account from 8 years ago and close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase gave us a balance transfer of XXXX on XX/XX/2022. This was supposed to be interest free for 15 months. 
On our XXXX statement we were charged XXXX for interest on our transaction balance. We paid the transaction balance before the due date. 
When we called the representative said the Chase charges for the transactions when they occur. So if we charged for example {$10.00} on Monday it would have to be paid on Monday ( the same day ) to avoid paying interest. 
When we got the balance transfer we were not told about this. Also if this is the policy why didnt the bank charge interest in XXXX and XXXX? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
A scam was made with a fake zelle account / fake zelle emails. 

Other factor made me believe that a refund was needed to be sent in order for me to receive a full payment. This turned out to be a scam. I was deceived into sending money thinking it needed to be done in order to receive money being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 XXXXXXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report 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
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX. 
National Credit Systems , INC . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My mortagage loan was recently transferred and closed with old mortgage lender. Transunion dropped my score XXXX points. Why, this was a transfer, was was this reporteded negatively. This damaged my credit tremendously.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX** Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXXXXXX XXXX Late payment ( s ) ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment ( s ) ( closed )

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN I didnt consent to these Inquiries Also, the Names are Incorrect and Addresses are Wrong. 

Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there

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 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been ACTIVELY trying for XXXX years to have my mortgage loan that I have with Wells Fargo assumed XXXX I was told by Wells Fargo many times that my loan ( which was modified in 2015 ) is eligible for assumption. The person assuming the loan has lived maintain this home with me the entire time. My name is not being removed from the deed and my address is not changing. Still, when she called to start the process, as instructed, she was told that we have to pay XXXX penalty because FHA is viewing it as a sale. It is not a sale. This is a lateral move. We would like to be able to move forward with the assumption by XXXX XXXX XXXX without the XXXX fee.and just the normal processing fees.

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