vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: Synovus Bank
State: IL

Complaint narrative:
This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
I have footage of car breaking down right after i bought it, i took it back they had it for 3 months straight i tried to refund they gave me hard time and would not allow me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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 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 2022-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted Chase bank, and the three credit agencies. Due to the fact that chase bank is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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:
I have previously requested the Credit bureaus to investigate this following information and they have failed to correct the errors they are reporting on my credit report. Now it's not the time to update, I demand that the credit bureaus immediately delete the inaccurate information in my credit report. 

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 Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Listed below are the Fair Credit Reporting Act violations : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604N section 2 : it also states it's similar reporting agency can not furnish an 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 items of information, other than records of convictions of crimes 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. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he/she is acquainted or who may have knowledge concerning any which items of information.

The credit bureaus failed to provide proof of your investigation, according to 15 US C 1681 section 603 ( 3 ) ( E )

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 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is currently reconsidering a series of fraudulent transactions via XXXX  per CFPB XXXX. 
Today XX/XX/XXXX I receive a message say the research on re-investigation was completed. The letter was dated XXXX XXXX. 
However, Bank of America called me on XX/XX/XXXX around XXXX EST to ask for copy of the police report I filed ( even though I had faxed over copies previously to number they provided and had verbally given them police report number ). I comply and email them the report on XXXX XXXX. 
Based on this timeline issue, it seems bank of America is willingly closing investigations early and without all the facts in order to not pay back money stolen via fraud to their own customers ( despite Bank of Americas claim they do not hold their customer liable for fraud on their own website. 
This aligns with call I made to BoA on XX/XX/XXXX at XXXX where BoA agent admitted Bank of America usually closes their investigations previous to investigation period being completed. 

Below I have attached the letter I received XX/XX/XXXX but dated XX/XX/XXXX, a copy of the email I sent with police report to Bank of America XXXX XXXX ( Regulatory dept ) on XX/XX/XXXX, and email I sent today ( XX/XX/XXXX ) to bank of America XXXX XXXX noting this discrepancy.

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX processed a hard credit inquiry for an application that was fraudulent. Further XXXX allowed an individual to place a false e-mail and phone number on my account allowing an unknown person to access all of my credit.

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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

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 2022-09-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXXXXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted XXXXXXXX XXXX, and the three credit agencies. Due to the fact that XXXXXXXX XXXX is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.

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 2022-09-28 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: SC

Complaint narrative:
XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

I have tried numerous time to have this address remove from my credit report XXXX XXXX XXXX XXXX XXXX SC 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 2022-09-28 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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ XXXX ] without Prejudice, All Natural Inalienable Rights Reserved

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 2022-09-28 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: NY

Complaint narrative:
I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXX XXXX XXXX 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 2022-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
For the past year Ive been experiencing issues with freedom mortgage and the tax office. Both companies have me down for living in XXXX different township which I only live in XXXX. Ive been paying taxes for XXXX and XXXX townships and now my escrow account is over drawn and they are expecting me to pay XXXX dollars for the months of XXXX and XXXX cumulative. This matter needs to be resolved soon. I dont want to lose my house due to both companies negligence. I have been calling to check up on this matter for months and nothing has been resolved yet. I really need some help in this matter immediately

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 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX  which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.

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 2022-09-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. { Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). 

You must complete this this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. 

I also request that you please send notices of the corrections to anyone who received my credit report in the past six months. Thank you for your time and helping this matter. Sincerely

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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fairway Capital Recovery, LLC
State: KY

Complaint narrative:
On Wednesday, XX/XX/2022 on or about XXXX, I received a phone call from a unknown woman debt collector representative at Fairway Capital regarding two accounts. As we were talking, I told her that we have different perspectives about the two accounts, regarding the XXXX XXXX which, I had an verbal agreement with the doctor that he will help me with my bill and with the XXXX XXXX XXXX XXXX ambulance service. I told her that I already had given the car insurance information to XXXX who is a XXXX of XXXX government billing official. In an inappropriate unprofessional tone of voice and demeanor, the unknown woman caller became short with me after telling her, that this is an insurance matter since my car insurance company under Kentucky law ( PIP ) is responsible for paying for the ambulance ride. I gave XXXX my claim # with XXXX XXXX XXXX insurance company. Following me telling her we have different perspectives about these matters, she said " I am going to report that you are failing to pay '' and hung up on me. At no time, did she cooperate or allow me to dispute the debts, or allow further time or in other words, freeze my accounts until the insurance company got back with her with payment. Therefore, I called Fairway Capital back minutes later and talked to Representative named XXXX. I told him I want Fairway Capital to validate alleged debts owed, account numbers etc. and reported the misconduct of the previous representative and wanted him to report this incident to the higher ups. At no time, did I indicate that I was refusing to pay. Her telephone etiquette, behavior/demeanor alleging that she was going to mark it down that I was Refusing to pay appeared to be abusive in nature and a threat to harm my credit or get me sued financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ 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