vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: OK

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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 explanation
Consumer complaint received 2023-04-19 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: OK

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  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 explanation
Consumer complaint received 2023-04-19 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: 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 explanation
Consumer complaint received 2023-04-19 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:
Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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:
Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-04-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-04-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My Penfed credit card information had been stolen and the suspect had used it to commit a number of fraudulent transaction on XX/XX/XXXX. Five of the transactions had been denied, but two of them had gone through. All of the transactions had occurred in the same area in XXXX, CA and at around the same time. I then received a call from Penfed that morning notifying me that there were some fraudulent charges on my credit card account, so I called backed to let them know that I had not initiated those transactions. They then issued me a new card and started a fraud case. 

However, a few days later Penfed notified me that the fraud claim had been denied on the basis that the card was present at the time. I do not see how this could be possible because I know for a matter of fact that I was in my apartment in XXXX, CA at the time the fraudulent transactions in question took place ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$40.00} and XXXXXXXX XXXX {$300.00} on XX/XX/XXXX ) and my credit card was with me at that time. Penfed also believed that my friends or family could have used my card, but none of my friends or family live with me nor have access to my apartment. I was the only one inside at the time. When I checked that morning on XX/XX/XXXX, the card was where I had always kept it. They also claimed that I had set up a cash advance PIN, which I did not do. Furthermore there was another transaction at the same location at XXXX XXXX for {$40.00} that had been denied due to suspected fraud. 

The suspect had initiated all of the fraudulent transactions at around the same location and at around the same time so I'm not sure how any of those transactions could possibly not be fraudulent.

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 2023-04-19 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: DISCOVER BANK
State: MA

Complaint narrative:
My XXXX  account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid discover credit card off, I have proof of payment and they will not update my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-04-19 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under The Law Office of XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 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 and therefore a 2cd validation was sent out on this day, after reviewing my credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from XXXX Credit Bureau until adequate validation has been received proving that the account belongs to me and all information is correct. Under the Fair Credit Reporting Act 15 U.S.C 1681

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 2023-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Due to the institution i attended conducting in predatory lending practices I wish this debt to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I purchased a home in XXXX Ga ; closing XXXX XXXX2023 My monthly mortgage was based on credit score, debt to income ratio e.t.c at {$1700.00} per month. 
In XX/XX/2023 I received a noticed from Amerisave loan servicing center indicating that my mortgage have increase in the amount of {$1900.00} ; which is rufflly {$2000.00} a month. 
Being that I am XXXX and on a fixed income ; this change in monthly mortgage payments have made my mortgage unaffordable ; being that I do have other calculated monthly expenses; such as utilities, insurance, food and the expenses of taking care of my family. 
I have spoken to XXXX loan servicing center on more than one ocassion, only to be told that a ticket will be created for some one to call me back with a logical explination. 
I got several calls from the servicing center ; but the reason they all gave me for the increase made no sense ; which was their analysis estimated my tax will increase as well as my home owners XXXX, and pmi I contact the XXXX XXXX Tax office in XXXX Ga, and they said that there have been not tax income estimation done for the year yet, and I also contacted the home owners ins company XXXX XXXX ; who also said there have been no increase. 
I have also tried calling the amerisave Loan office mortgage ; the representatives that help me with the loan process ; can not be reached or no longer works for the office. 
I pretty much emptied out my savings to purchase this home for my family ; with the plan to start rebuilding my savings ; well that plan is out of the window now ; it will take much longer to save.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TriPoint Lending, LLC
State: FL

Complaint narrative:
I enter into a XXXX XXXX XXXX with Alleviate Financial Solutions on XX/XX/XXXX. XXXX credit accounts. Made payments of {$480.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and {$520.00} on XX/XX/XXXX, total of {$1900.00}. On XX/XX/XXXX XXXX contacted XXXX & XXXX for a settlement of one my creditors, XXXX XXXX ; which was agree by me for about {$3900.00}. from the original amount of a {$8000.00} ; which was the highest of all my debts, for payments of {$160.00}. for 24 months and a payment was made of {$160.00} in XX/XX/XXXX. To my surprise I checked my Portal to see my balance and it was on XXXX. So I almost had nervous breakdown to know that {$1800.00} had all gone on fees. I have contacted other Debt Resolution Companies and they tell me that the fees are actually divided into monthly smaller payment and those are included in the monthly amounts that I send every month. Allviate Financial Solutions are service by a financial institution by the name of XXXX, XXXX. To make a longer story short, the matter of the situation is that charge me all that money in one instant ; and I am very disturb that I was so angry and called and cancel my debt resolution program. By the way, I think they picked the highest one creditor so they count deduct the highest fee. Made several calls and always was someone different ( case mananger ). Tel # XXXX ext XXXX. My account should be XXXX. I am a XXXX yrs old XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX, and woul like to see justice done. Thank very much for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The debt is not mines if u look at the name on The paper it definitely not mines

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, and I have not violated any PayPal policy. I am kindly requesting that PayPal re-investigate my case and restore my account, if possible. 

To start, I would like to emphasize that I have been a loyal PayPal customer for several years, and I have always complied with all the terms and conditions set forth by PayPal. I am aware of the importance of maintaining a good standing with PayPal and have always strived to do so. 

Despite my best efforts, my PayPal account was permanently limited, and I was not given a clear explanation as to why this happened. I am confident that I have not breached any of PayPal 's policies and would like to request a thorough investigation of my case. 

Furthermore, I would like to request that PayPal take into consideration the fact that my account holds a significant amount of money, which I use for essential transactions. The permanent limitation of my account has put me in a difficult situation, and I would greatly appreciate your prompt attention to this matter. 

In conclusion, I kindly ask that you re-investigate my case and restore my PayPal account if possible. I remain confident that this limitation was placed in error, and I hope to resolve this matter as soon as possible. Please do not hesitate to contact me if you require any further information. 

Thank you for your time and understanding. 

Sincerely, [ Your Name ] PayPal Account Holder Email Address : XXXX XXXX

Company response to consumer: Closed with explanation