vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DISCOVER BANK
State: LA

Complaint narrative:
I called XXXX customer service for a refund. The guy was able to state my prior transactions and payment history, so 5ought it was genuine call. The guy said I needed to have a gift card transaction 3 ways to authorise international refunds, so purchase {$200.00} XXXX gift card. Then he said I needed to buy 3 not 1, so bought 2 more. Then he handed it to a woman saying shes senior manager, and she asked me to try again with 6 gift cards worth XXXX each. In total, I spent XXXX. She finally said XXXX needs XXXX  more for refund, and thats when I caught on late about scams and disconnected. I used my Discover and XXXX XXXX credit cards for this. The woman called me from phone number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for this credit card at least a year ago with autopay enabled to pay off statement balance when due. Unfortunately when I checked the account today it was past due, despite no action on my part. Apparently Bank of America deleted any trace of my external XXXX checking account for bill payment, without my consent or any notification. I strongly suspect that Bank of America is attempting to collect late fees fraudulently or seek retribution for the closing of my checking account at BoA. I am reconsidering my yearslong credit card lines at Bank of America in light of this act.

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 2022-10-23 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: Porania, LLC
State: GA

Complaint narrative:
Bankruptcy XXXX item should not appear on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-10-23 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: WI

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX : {$1000.00} ). XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 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: KS

Complaint narrative:
Inaccurate personal information still being reported after Equifax response confirming the accurate information is being reported. Complaint ID : XXXX ( 1 ) Inaccurate Name Reporting : Please see attached : My Equifax online report. 
( 2 ) Inaccurate Name Reporting : Please attached : Hard Copy response mailed from Equifax which name is different form online report. 
( 3 ) Inaccurate Address Reporting : Mail being sent to old address : Please see attached Hard Copy response mailed from Equifax Online My Equifax Personal Information ( 4 ) Inaccurate Employer Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: WI

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This is my third complaint against Commonwealth. Their response to the most recent complaint about this alleged debt is not satisfactory for me. They have not proven solid validation of this alleged debt. I told you guys this alleged debt was reporting with XXXX XXXXXXXX XXXX XXXX  back in XX/XX/XXXX along with reporting as a debt for Commonwealth on my credit report. You claimed that your client XXXX XXXX  verified that you were the only company with this alleged debt. However, I reached out to XXXX XXXX in XXXX, and they responded with written notification to remove the debt from the bureau because it was actually reassigned to XXXX XXXX which is their " sister company ''. XXXX XXXX is a " XXXX XXXX XXXX XXXX '. XXXX XXXX is not a " CREDITOR ''! And has not ever been in any type of business with me. According to title 15 USC 1692a ( 4 ) The term " CREDITOR '' means any person who offers or extends credit creating a debt or to whom the debt is owed, but such terms DOES NOT INCLUDE ANY PERSON TO THE EXTENT THAT HE RECEIVES AN ASSIGNMENT OR " TRANSFER '' OF A DEBT IN DEFAULT SOLELY FOR THE PURPOSE OF FACILITATING COLLECTION OF A DEBT! XXXX XXXX bought this alleged debt from XXXXXXXX XXXX XXXXXXXX XXXX who was the XXXX XXXX Agency who bought this alleged debt from THE TRUE ORIGINAL CREDITOR " XXXX XXXX XXXX XXXX ''. The original account number for XXXX was XXXX. Then when XXXX XXXX  XXXX obtained it the account number for them was XXXX. And now the account number with Commonwealth and XXXX XXXX through XXXX XXXX is XXXX. This alleged debt has been floating around from one collections agency or debt buying agency to the next since XXXX! I asked for the ORIGINAL contract and bill for services rendered from the Original Creditor. And what I received from Commonwealth was fraudulent documentation from XXXX XXXX as the current creditor when it should say current " debt buyer '' or " collection agency ''. Commonwealth stated and I quote " We obtained Verification of this Debt ''. They claimed to have met the standard of verification of the debt and that they are in full compliance with the FDCPA and the FCRA. Commonwealth claimed they sent me an itemized billing statement but what I received was XXXX printed up by XXXX XXXX. This bill is not from the original creditor. This alleged debt has not been Validated. In the attempt to collect this alleged debt Commonwealth has violated my consumer rights and is in violation of the FDCPA. You will find an invoice of every violation committed by Commonwealth per FDCPA. pay for I want this alleged debt to be removed immediately off all my reports and it should not be sold or transferred to another collection agency. And please make check payable to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: MD

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 Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX 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 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 2022-10-23 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: MD

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 Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX  Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX 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 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 2022-10-23 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: SCA Collections, Inc.
State: GA

Complaint narrative:
SCA COLLECTIONS XXXX -- - XXXX XXXX XXXX DATE OPENED- XX/XX/2022 DATE UPDATED- XX/XX/2022 AMOUNT- {$100.00} ACTIONS TAKEN BY COLLECTIONS - XXXX negative reports on my credit report, that are impacting my XXXX XXXX negatively, and all of this being done as a VIOLATION of my rights. No medical bill should be reported on my credit report if it is below {$500.00}, furthermore if I have not signed a contract allowing them access to my medical information. 

ACTIONS TAKEN BY ME- Dispute was filed ( date is not exact ) 6-7 weeks ago.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Balance : {$14000.00}, XXXX. XXXX, XXXX ), XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ). XXXX XXXX  ( Date OpenedXXXXXXXX  XXXX, XXXX, Balance : {$22000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
Mohela open two personal loans in my name without my consent the first loan amount is for {$870.00} and the second loan amount was for XXXX and they made it look like a refund from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX was already issue my refund at the beginning of XXXX. This is an XXXX violation. I happen to check my XXXX credit report to see and I found the information. I request was XXXX XXXX XXXX XXXX XXXX XXXX I did not consent to this under no circumstances. I will like all my loans consolidate immediately to XXXX XXXX XXXX  loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Apple Card illegally charged me for something I didnt buy. 
After complaints were filed with the CFPB the outcomes said XXXX, company response But the illegal charges and balance remain in my card/account. 
I demand Apple Card to show me what I buy with the card. Is it too much to ask?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  Acc No. : 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 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 2022-10-23 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: PNC Bank N.A.
State: AZ

Complaint narrative:
I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name : PNC Bank, N.A. 
Account Number:463404XXXXXXXXXX There is a late payment for XX/XX/2022, which is inaccurate. PNC changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that PNC only accepts federal notes in person for my credit card. 

PNC has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

PNC has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

XXXX and XXXX are violating 15 USC 1681B and 15 USC 1681C. XXXX does not have my consent to report without my written consent, and they are false reporting. 

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with PNC Bank at any time, look at the history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( {$980.00}, Opened XXXX. XXXX, XXXX ), XXXX XXXX ( Balance : {$130.00}, Date Opened : XX/XX/XXXX, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Balance {$51.00}, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( OpenedFeb. XXXX, XXXX, Balance : {$570.00}, Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Reported : XXXX. XXXX, XXXX, Balance : {$170.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$190.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX No. : 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 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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX No. : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

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

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without 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