vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not lived in Massachusetts for quite some time. The account was disputed. No action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, XXXX XXXX XXXX. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is Amsher Collection Services, and they never sent me anything. Now they, Amsher Collection Services, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have had an online savings account with Affirm for almost a year now. I opened the account with Affirm being that they were paying a high interest rate. I have never made any withdrawals from the account just deposits, usually to round up the amount. 
Just recently Affirm raised their rate of interest that they were paying on their savings account so I transferred {$200000.00} from another XXXX of my online savings accounts. I have been doing this same thing for years now and never, ever encountered any problems with any of my accounts being frozen. 
When I called Affirm a few weeks ago in regards to why my account was frozen they informed me they were investigating. I told them I felt like I was being treated as a criminal for no wrong doing and that if they wanted to monitor my account for suspicious activity that was fine but to freeze my account because I had transferred a large deposit was unacceptable. I told them that most banks treated me as an elite customer for the amount of money I had on deposit with them but with Affirm I am being treated as a criminal, like my money was obtained illegally. I feel they have no right to be holding my money, I have done nothing wrong and I am certainly not a criminal. It is my business how I earn my money and not theirs. I could understand if their was a lot of transactions taking place either withdralals or a lot of large deposits. But the only reason I had a large transfer was because they were offering a higher rate than most other online savings accounts. 
I have spoken to numerous respresentatives over the past two weeks and have demanded they release my money but to no avail, all they keep telling me is the same thing, " they are investigating and it could take 3-5 days ''. I even have spoken with two Supervisors and when I ask to speak to that particular department that is handling the investigation they tell me they do not talk directly to customers. I had a representative today tell me that basically everytime I call in I am putting my case back into 'cue ' meaning that the process starts all over again. 
I am so very upset over all of this and can not believe that they can continue to hold my money, money that I have worked hard and earned legally. I feel that they are not a reputable online savings bank and should not be able to continue offering their banking services online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account on XX/XX/XXXX without telling me the reason and said they will send me a check back for my balance in my closed account which is about XXXX dollars. After XXXX week they said they need to review the funds source and hold the money. After XXXX month when I called them, they said told me the hold harmless department is holding the money and will not give back to me in the future. I asked for a explanation and they are not giving me the answer.

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 2022-12-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 explanation
Consumer complaint received 2022-12-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and a piece of mail with my current address on it.

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter XX/XX/XXXX XXXX XXXX  to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Personal information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and a piece of mail with my current address on it.

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 2022-12-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

I've attached my driver 's license and a piece of mail with my current address on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was going through my credit report and I don't believe this is accurate. I would like to get this removed immediately In accordance with Fair Credit Reporting Act XXXX Reference # XXXX Bankruptcy XXXX XXXX XXXX US BKPT CT LA 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 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 2022-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
i was not able to make payments due to some fraud activity on my XXXX XXXX, i recently got a new bank and when i was about to give a payment they said the account was closed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'm a victim of identity theft, pursuant of section 605B. You must remove the fraudulent inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On, XX/XX/2022, an advertisement was sent via email from Rocket Mortgage stating I was pre-approved for a mortgage. After clicking on the email ; my personal information was required to see what I qualified for. Moments later I receive an adverse action rejecting me of such credit due to hearsay from third party. Rocket Mortgage advertisement is misleading and deceptive. I received no benefit in the transaction that stole my personal information for personal gain. Rocket Mortgage is to be held liable for invading my personal choice and consent. Rocket Mortgage has violated my consumer rights pursuant 15 USC 1692 as well as third parties where they retrieved false information regarding my personal character. I am now left with an inquiry and higher rates than before to qualify to buy my family a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account # XXXX listed under Amerassist AR Solution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 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 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 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 access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving 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 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management has continued to call my phone, asking for XXXX XXXX and they have been told countless times that I have had my phone number since XXXX  and no one has had my number for XXXX XXXX. I have been called a liar, received repeated calls, and when asking for the corporate number they tell me only XXXX deals with the calls. I have exhausted all my efforts to try and stop the harassment of this company but everything has failed. You block them, and they call from another number. I have spoken to corporate before about this issue but apparently, they have ignored my requests to stop receiving calls from them. I was assured it would stop but it has not...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Personal 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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Personal 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 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery associates LLC has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from XXXX XXXX in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in XXXX XXXXXXXX that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with XXXX XXXXXXXX credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with XXXX  XXXX credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with XXXX XXXX for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX portfolio recovery associates LLC brought the debt from XXXX XXXX.I placed over several disputes with portfolio recovery, XXXX, XXXX, XXXX regarding the fraud on my XXXX XXXXXXXX account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by portfolio recovery with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: WI

Complaint narrative:
The collector, Credit Management , LP, never notified me in writing, nor delivered a telephone call or voicemail when issuing an intentionally damaging claim on my credit report. They claim it was on behalf of XXXX XXXX, MN, who never gave me written notice or telephone notice of a debt. They never returned a call and had no idea why I was issued a debt nor sent to collections. 

I never received any notice other than a negative notification by XXXX.It was XXXX bank who were able to get me the number of the misconduct filled collector. I have also never received a receipt from them over two months after they promised full payment would guarantee removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Harley Davidson Credit has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B ( a ) Creditor may not treat a payment on a Credit Card account under an open end Consumer Credit Plan as late for any purposes.

Company response to consumer: Closed with explanation