vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: VA

Complaint narrative:
18 U.S.C 1082 ( a ) This company breached my personal information without my consent.

15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent.

15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report. 
12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On Friday, XX/XX/2022, I used Venmo to pay my son 's after school tutor. Her fee was {$75.00}. I accidentally entered {$7500.00}. As I tried to cancel the payment somehow I hit pay. There is no option to recall the money at Venmo even if there was a mistake. Venmo also charged me a {$220.00} fee for the transaction They then stated that I needed to have the person I paid send me the money back to me but then they would have to pay a {$220.00} fee. {$450.00} in fees for a simple, XXXX finger mistake. I called my credit card company and filled a chargeback dispute. They said they couldn't do anything until the charge hit my account but then it could take 75 days before the investigation would be complete and there's a chance I might not be reimbursed for the {$7500.00} and I would not likely get the {$220.00} transaction fee back. None of this seems legal or right. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. XXXX, XXXX, and Transunion are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.

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 2022-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX  XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. Equifax, XXXX, and XXXX are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-10-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX Acct # XXXX xxx XXXX. XXXX Acct # XXXX XXXX. XXXX ACCT # XXXX They have violated my rights. 

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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 2022-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I called in and spoke to a rep in XXXX. He stated he would close my account after I requested this. I believe I also did a webchat to close my account sometime after this, as it appeared my account was still not closed. The webchat person said they have now successfully closed my account. Just a few days ago, my mother received a notice from PNC showing my account still open. ( I currently live in XXXX XXXX and my mother receives my XXXX mail for me ). I don't want any accounts open with PNC. I previously had a BBVA account with no fees. PNC bought out BBVA bank and they took my BBVA no fee account and defaulted it to a PNC account WITH fees ( utterly disgusting business practice ), so I needed to/still need to close my account. I have twice attempted and twice been assured my accounts would close. So now I need to file a complaint before they try to tack on more unjustifiable fees and I hope other BBVA account holders didn't also have their money stolen from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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:
Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$5400.00} Open balance Improper use of my credit report. 

In accordance with the fair credit reporting act, this creditor, MIDLAND CREDIT MANAGEMENT has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau XXXX XXXX and any other credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already reported.

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 2022-10-07 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have no knowledge of the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have no knowledge of the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NJ

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 # xxxxx 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 2022-10-07 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: FL

Complaint narrative:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS 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 2022-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX my Amazon Store Credit Card was used to purchase two XXXX gift cards, one for {$70.00} and one for {$44.00}. These purchases were reflected on my XX/XX/XXXX statement. I contacted both XXXX and Synchrony Bank, which processes XXXX charges and payments and advised them that I did not make these purchases. On the same XX/XX/XXXX statement I was given credit for these purchases. See the following pdf file. 
XXXX XXXX XXXX XXXX XXXXXXXX % XXXX. 

On my XX/XX/XXXX statement from Synchrony Bank I was again billed for these two transactions. I was advised by Synchrony bank that it believed that I had made the purchases as there was no proof that I did not. Its representative advised me to contact the FTC. I did so and was advised that it could not help me and to contact your agency which I am now doing. I did not make these purchases and should not have been charged for them. Please advise.

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 2022-10-07 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: GA

Complaint narrative:
Experian CFPB Complaint Experian has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have had 3 accounts put into collections with Portfolio Recovery Associates. I had one last account which I paid off my last account on XX/XX/2022 in the amount of {$320.00}. The account was removed from my account about 2 weeks later. I then noticed that on XX/XX/2022 they added false information back according to my XXXX XXXX They added that I owe an account balance of {$16.00}. This brought my credit score down XXXX points. I contacted the company and they confirmed my previous accounts are all {$0.00}. I asked who should be contacted about correcting this false information that was added and the agent had no answer for me, only that he didnt handle credit reporting. He didnt tell me who in the company would. I feel like there should be some type of compensation or something done because this has hurt my credit due to no fault of my own.

Company response to consumer: Closed with explanation