vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX  account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXX  XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXXXXXX XXXX XXXX in company ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX auto in company account number XXXX XXXX XXXX account number XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX Account number 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 my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MI

Complaint narrative:
XXXXXXXX XXXX  HAS BROKEN THE LAW!!!!!! 

I am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose.

The information on this account is not 100 % accurate, as required by the FCRA. The dates for " Date Opened '' and " Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. 

I request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX to report anything to my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-05 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 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 : consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: PA

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 XXXX XXXX XXXX. 

Account name : 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 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 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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: OH

Complaint narrative:
CKS Financial calls me daily. They are calling for someone who is not and has not ever had this number. I have informed them multiple times that they have the incorrect number and to stop calling. they have not for months. 

I have told them i would file a complaint and it did not work. I do not know the person they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The address associated with this account isnt mine I have never had or have I ever opened a capital One or any other credit card. The person associated with the address XXXX XXXX XXXX XXXX to this fraud account should be prosecuted for XXXX if you investigation is through you would see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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:
I am XXXX XXXX submitting this complaint against Equifax XXXX XXXX XXXX XXXX and there is no XXXX party involved. 


As of XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within XXXX XXXX XXXX I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Delete all hard inquires & late payments as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This mortgage has been paid in full already ; the total amount has been taken from my trust. I have requested disclosures, proof of contracts and other important information that they refuse to provide to me. When I write them letters, they promise to send the information that I request but they never do. I've been very confused with this business relationship as I have exhausted my administrative remedy without this company being honest with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: NV

Complaint narrative:
Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: VA

Complaint narrative:
The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b , Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX  XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: IL

Complaint narrative:
I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: IL

Complaint narrative:
I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Bay Area Receivables and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please remove this account from all XXXX credit bureaus until adequate validation has been received proven that the account belongs to me, and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have a medical bill that out of network provider is charging me without any prior authorization, the name off the collection agency is Capio Partners  they are violating the no surprise act 2022 I need validation of debt and Hippa authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a credit card with Wells Fargo to do a XXXX-interest balance transfer. The funds were never dispersed to the XXXX credit card specified in my credit application. 

XX/XX/XXXX - Line of credit opened ; {$4900.00} balance reported. {$4700.00} was to be sent to XXXX. 
XX/XX/XXXX - Spoke with credit services to report issue; was told that a " research '' file would be opened and would take approx. XXXX XXXX 
XX/XX/XXXX - Spoke with credit services, no resolution. 
XX/XX/XXXX - Spoke with XXXXXXXX XXXX No resolution, and the complaint was never sent to the appropriate office for handling. I have been carrying an additional {$5000.00} in debt on my credit report without any resolution to this matter. I've received no communication from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX issued a XXXX garnishment and attempt to garnish payment from a debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
A Bank of America check for {$60.00} written on XX/XX/2022 was mailed. It somehow got into someone else 's hands and was altered. A new payee added. The amount was changed to {$18000.00}. The check was countersigned at XXXX XXXX XXXX bank and cashed. The altered check appeared on my account on XX/XX/2022. Five days later I saw the fraudulent check entry and immediately notified Bank of America and filled out all the documents they asked for. The account was frozen and all the other checks that were in transit bounced. I paid the merchants who had bounced checks from a new account which included extra fees. It has now been fifty six business days for the bank to investigate and return my {$18000.00}. They insist they have ninety days and refuse to share with me any firm update on how their investigation is going. 
The fraudulent activity is obvious but the bank seems to feel no responsibility to make me whole in a timely fashion.

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 2023-01-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
all account were paid off in full with all payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity admits to furnishing inaccurate information violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ). Comenity has failed to provide proof that they provided required TILA disclosures, adequate notice of billing statements in order to allege a late payment in accordance with 15 USC 1666b. After proper notice provided to Comenity, they continued to retaliate by violating 15 USC 1666 ( d ). Comenity is using deception, oppression and coercion to defraud me and to continue to defame my character. SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX XXXX has a cash app card I transferred {$530.00} from my personal bank account to his cash app account. Cashapp XXXX and locked his cashapp card/account the money is in limbo. This has been since XX/XX/XXXX I have sent chat messages and called XXXX  times I have been hung up on and told I will get an email when the issue has been resolved. I have sent them a copy of my license XXXX different times and they still refuse to tell me anything or unlock the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. Transunion has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX  rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, Experian has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

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