vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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 XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX XXXX ) has violated my rights. 


15 U.S.C. 1601 section 604 A section 2 ; it also states B consumer agency can't furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was shopping around for a refi and was going to use Amerisave. They quoted me a rate I agreed and paid them a XXXX dollar application fee. They closed and denied the application a few weeks later because I hadn't turned in any paperwork. They did nothing besides quote me a rate and take a application fee before closing the file because I was to slow for them. No appraisal was given or scheduled. They collected no documents and I feel like they took my XXXX dollars and ran. I am not sure if I can make a complaint or not but I thought it would be worth a try since they wont answer my calls or emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
someone got a credit card in my name at XXXXXXXX XXXX XXXX XXXX i don't have the card but it is showing in my credit report. i don't know how someone was able to do this without my ID. It shows in my XXXX XXXX dated XX/XX/2022. a XXXX $ charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my bank is allowing someone using my identity to file claims and are doing reversal and clearing the funds without my knowledge from XXXX thru XXXX my total is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 



1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client that authorizes you to collection this alleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

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 2022-06-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TX

Complaint narrative:
act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX XXXX XXXX XXXX. XXXX put information on multiple areas. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I had a credit card with XXXX XXXX The account number was XXXX. The account was overpaid by {$56.00} dollars and was evidenced by the last statement received with payment due date of XX/XX/XXXX. I have the statement. I called the bank because I had paid off the account and was unable to use it. I was told that the account was closed by the bank. The statement also states that the account was closed. I was told that a check in the amount of {$56.00} would be sent to my home address, which was : XXXX XXXX XXXX, XXXX XXXX FL. XXXX. I had requested records of the account yet I was told that the account was " Purged. '' I received a letter from Radius Global Solutions LLC dated XX/XX/XXXX charging me {$480.00} dollars. However, never obtained a new card nor was I able to have a card replaced as per the banks reports at the time. I have reached out to them and disputed the debt considering that the bank closed my account and claimed that my card was " Opened fraudulently, '' and so I was not able to get credit. The debt report shows that as of XX/XX/XXXX, I owed {$480.00}. The debt letter reference number is : XXXX Pin Number : XXXX web address to make the payment is : 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 2022-06-07 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:
I SUBMITTED A COMPLAINT THROUGH CFPB PORTAL ON XX/XX/2022 RECEIVED A RESPONSE FROM EQUIFAX COMPLAINT NUMBER BEING ( XXXX ) According to the company Equifax response they stated the account/s that are currently reporting on my consumer file were XXXX XXXX, in which this company Equifax stated they have verified belongs to me. Second account being XXXX XXXX XXXX, Equifax stated that it shows in their systems that I have previously tried disputing the account and the Third account being listed as XXXX XXXX XXXX  where Equifax stated in response that has also been previously disputed by consumer. Based off of the response from the company Equifax response they have admitted to being in violation of the FCRA15 usc 1681b PERMISSIBLE PURPOSE OF THE CONSUMER REPORTS ( a ) IN GENERAL Subject ( c ) any consumer reports under the following circumstances and no other : ( 2 ) In accordance with the written instructions if the consumer to whom it relates. I have never given the CREDIT REPORTING AGENCY Equifax written consent to furnish a consumer report on my behalf. According to the company response Equifax has admitted to being in violation of AGGRAVATED IDENTITY THEFT PURSUANT to 18 USC 1028A. Equifax has knowingly transferred, possessed, or used, without lawful authority 's means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability 15 usc 1640. Under the FDCPA this agency were supposed to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. Therefore, the following accounts must be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I was a " premier '' customer with HSBC which they advertise as there highest level of service and that they advertise " Choose how, when and where you want to do business with your dedicated XXXX XXXX XXXX ". 
They recently decided to cancel my credit cards and accounts - I would assume as part of their withdrawal from the XXXX as i qualify by the standards still shown on their website for accounts. My complaint in not that they canceled my cards and account - as I know they can at any time and I am completely unworried by that as I had existing relationships with other banks. My complaint is that my first notice of their action was my credit cards bouncing, then being canceled by XXXX XXXX  as begin invalid. This caused significant embarrassment with regular merchants and for my wife and I having transactions declined. It would seem HSBC wrote a letter on XX/XX/XXXX- the same day they cancelled the cards ( received some 6 days later ). When I called the premier help line once I was sure there was an issue two days later I was just told it was a " security issue '' and I would have to wait for the letter. My complaint is that HSBC, contrary to the service implications of their " premier '' advertising, did not have the good grace for a personal banker / anyone ( as promised ) to reach out and advise that they had taken this action. I am not complaining about the action itself, rather the way in which is was carried out. They behaved like we are all thieves and they chose to cancel before telling us. That is very insulting and contrary to the principles of treating customers fairly.I made a formal complaint to HSBC on XX/XX/25 and followed it up on XXXX. Their policy says they will reply to complaints in 5 working days hence making this complaint. I would also add that they were elusive and it took 42 minutes to finally get to make a formal complaint on this matter. My view being that there is was " effort '' to make the hurdle of complaining too high. I would add that the premier chat operator was not aware of the letter his own firm had written so couldn't really help anyway. I have written to the OCC and the NYDFS on their complaint failure and this sharp practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to JPMCB - Auto Finance requesting that they delete 3 inquiries on my credit reports considering that I did not authorize anyone employed at JPMCB - Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to JPMCB - Auto Finance bearing my signature. 
The three inquiries : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, TransUnion, XXXX several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.

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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
In accordance with the Fair credit reporting act XXXX account # XXXX Americollect INC. has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I spoke with a representative from both Transunion and XXXXXXXX XXXX XXXX in regards to a collection item on my credit report. First call was to Transunion and the representative said that I needed a letter from the XXXXXXXX XXXX XXXXXXXX stating the account was paid off in full. She also said I can mail it in or submit a dispute online. Second call was to XXXXXXXX XXXX XXXXXXXX. I spoke with a representative and she stated she will mail out a letter and would arrive in XXXX weeks and I said that is fine. On XX/XX/XXXX I submitted a dispute online on Transunion website and attached the letter received from XXXX XXXX XXXXXXXX. I received a email confirmation that if a dispute was submitted online something would arrive in the mail, but nothing came. On XX/XX/XXXX I submitted another dispute on XXXX XXXX website for the same issue because nothing changed. On XX/XX/XXXX I received a email that it was updated, but the only thing that was updated was the balance and not taken off my report. I called Transunion on XX/XX/XXXX and spoke with the representative and informed her what was going on and she said you need a letter from the collection agency stating to take it off your report and I told her that they do not provide such letter. I had asked why is this the first I'm hearing of this and why was the letter provided to them was not acceptable to take it off my report as initially stated on XX/XX/XXXX. She couldn't answer and I demanded a supervisor. Once connected to the supervisor I told him what was going on and he proceeded to say another letter was needed and I once again stated the collection agency does not provide such letter. He basically said there is nothing I can do about getting this of my report besides getting another letter that do not exist for XXXX XXXX XXXXXXXX. I'm just overly exhausted and frustrated about this issue. Hopefully this complaint help with this exhausting issue with Transunion.

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 60 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Experian  Both so much red tape. 
Experian has no way to talk to a real person yet they are allowed control of my personal credit record. 
No way to fix login. Account locked and no support. 

Called Consumer Financial Protection Bureau and their process so complex, tangled with bureaucratic red tape it's as impractical and inefficient. All about XXXX and frustrating to whom it, I suppose, is suppose to serve. 

XXXX XXXX XXXX XXXX XXXX XXXX designed to frustrate, pester and deny connection to a live person! 

I have no confidence in Any Organization, especially US Government or entities under it's control. 

PUBLISH THIS AS I'VE CHECKED THE BOX BELOW.

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 2022-06-07 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I found that I was a victim of identify theft when I was displaced from my job and had to file for unemployment. EDD notified me that someone from XXXX CA had filed for unemployment twice during the pandemic. At that time I contacted all three of the Credit Bureaus to place a freeze on my credit. Yesterday I received two letters from XXXX XXXX that my application had been successfully withdrawn. I contacted XXXX to find out that two applications were withdrawn and one was pending. Non of these had I applied for. I tried to sign into my Experian account and the system would not let me, I choose forgot my password and saw that Experian was sending a reset to a email address that was not mine. I immediately called Experian to find that someone was able to remove the freeze I had placed, change my user name and email address. They informed me that there were five Experian accounts in my name with only one that was active. Not a user name I had set up. I can only imagine that this person could run my Experian credit report and have all of my credit information. Please advise what should be my next steps. Thanks, XXXX XXXX e-mail= 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 2022-06-07 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: FL

Complaint narrative:
Experian is not reporting the correct personal information on my credit file. They're allowing companies that have accounts with them who are subscribed to them to determine what my personal information is. 
According to 15 U.S.C. 1681, I have furnishthe information they're allowed to publish the written consent and being that the information I gave them is not the same as what they're reporting, they need to remove the info. 
I've already furnished my valid driver 's license, SS Card, proof of address. They need to remove that reporting. 
Correct name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Florida XXXX the address info and name it has under my name is not correct.

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