vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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 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

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I paid off and closed my XXXX XXXX XXXX XXXX credit  card on XX/XX/2022 which included a {$35.00} late fee for being 1 day late. Weeks after I closed it comenity bank ( card issuer ) added an interest fee on and told me if I didnt pay it they would charge additional fees and interest. The fee was only {$2.00} however after having it paid closed and they sent me a letter showing it was paid and closed they randomly add additional " interest fees '' and then threaten more penalties if not paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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: MI

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

1 XXXX Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3  : XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXX 5 : XXXX XXXX  XXXX : XXXX 6 : XXXX XXXX XXXXXXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : XXXX XXXX XXXX XXXXI : XXXX 12 : XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. 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 2022-05-20 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: MI

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

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX XXXX XXXX 4 : XXXX XXXX : XXXX 5 : True XXXX XXXXXXXX : XXXX 6 : XXXX XXXX XXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX XXXX XXXX 11 : US DEPT OF ED/XXXX  : XXXX 12 : DPT EDXXXX : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. 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 2022-05-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XX/XX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL be deleted.

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 2022-05-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

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 2022-05-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Atlanticus Services Corporation
State: NE

Complaint narrative:
I had issues with paying on the cards Cards are dealt by the same person same address out of XXXX Georgia they kept saying that the payments were not going through but they were going to on my side through my bank and through my debit card that I was using then they used the excuse that because the credit was over the limit by {$1.00} or more they decided to close my account they keep charging monthly payments to my account In the amount of over {$50.00} a month I contacted them on more than one occasion to get this corrected and they never did anything that kept saying that it was never going through and the day before I was actually gon na make a payment to both of them they decided to close them on their own their own I had to find out through my credit report on XXXX XXXX  so my advice to anybody do not yet Forteva Or aspire credit cards. They will say that they will work with you but then they won't they'll just close your card and keep charging you in 2 months 3 months that it's been close on one card they have charged up over {$400.00} the other 1 is almost 600 II refuse to pay them because because the fact that I tried paying them when they were open And they kept denying the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: CT

Complaint narrative:
Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

- XXXXXXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 2022-05-20 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: CT

Complaint narrative:
Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was scammed through XXXX. There were 2 transactions in my bank account from XXXX XXXX that equal XXXX. I called Wells Fargo and told them it was a scam. They will not refund my money. I have a police report and they will not refund me any money.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Expirian is providing wrong information and this is affecting me seriously. I had contact the creditors and they assure that there is no negative information on may records. I need this to be removed from my record

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 2022-05-20 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: WA

Complaint narrative:
I transferred a balance to my USBank card in XXXX or XXXX. I lost my job. I was unable to pay and I was experiencing some sever medical issues. USBank would not work with me at all regarding these issues. They forced my CC into charge-off status without attempting to negotiate with me. 

I have tried multiple times to talk to them. They hang up on me. They do not give me account details. They will not tell me why every single month they report this account as late. 

I believe in paying your debts but I was counseled by a lawyer not to pay UsBank any outstanding amount unless they would remove the account from the credit record. I found this to be somewhat fair, and USBank has refused any offer to negotiate. They need to be aware the statute of limitations to sue me has passed, and if they ever want my payment, they need to agree to a pay-for-removal. 

I do think I deserve the punitive actions this bank is actively taking to hurt me. I am trying to better my life and what is standing in my way is the abusive reporting and absolute brick wall attitude of UsBank. I was injured and had an income of {$0.00}, for years. It is clearly something personal they are doing.

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 2022-05-20 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: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report XXXX {$1200.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE XXXX - {$270.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account was closed without any reason a few weeks ago. 
Until now the bank has not been sent the check with my money on that account.

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Systems, Inc.
State: WY

Complaint narrative:
Received a notice of a debt from American Collections Systems in XXXX for a debt I did not owe. XXXX XXXX, XXXX in XXXX, WY tried to charge me for damages to a rental townhouse I rented from XXXX. Rent was paid on time and there is no dispute that rent was owed, however, months after I left the premises I was sent a charge for over XXXX dollars for supposed damages incurred by me. The damages were present before I moved in and a checkoff list with walk through was performed in XXXX when I first moved in. The carpets were cleaned but the walls had not been painted. All damages were noted at that time. Later the owner of the renting real estate group was sold to XXXX XXXX, XXXX. They, XXXX XXXX, did not perform any walk throughs with me before or after my moving out of the residence. A water pipe froze in XXXX in the garage which leaked through the kitchen wall causing the outlet to the refrigerator to burn out and shorted other wall sockets. The kitchen and living room were filled with water. I cleaned as well as I could and called XXXX XXXX who sent out a cleaner but the cleaner only sprinkled some white powder on the carpet and a few hours later came back and vacuumed the carpet. The carpet was never lifted up and this resulted in damage to the subfloor. This was the damage that I was being charged for along with other small problems noted on the original walk through in XXXX. I told XXXX XXXX and later American Collections Systems that these were fraudulent charges, but they denied this claim and notified the Credit Bureaus that I owed this debt and have hurt my credit history making it difficult to rent these last 7 years. XXXX XXXX claimed that my dog must have peed throughout the first floor and caused this damage? This should be removed from my XXXX XXXX as I did not cause any damage to the property. My next door neighbor went though the property the day before I moved and confirmed the town house was in good condition, better than when I took possession of it in 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 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My roommate sent me 500 for rent through cash app. When I logged in to cash out I noticed the money was stolen from me in increments. Cash app stopped the smaller transactions but the largest one for {$300.00}, from the same exact person, they claimed was not fraudulent. I tried several times calling cash app and they refer you to the app. I tried several times getting my money back in the app and no one helps me. Ive had an " investigation '' deemed not fraudulent and spoke with 2 managers via email, they refuse to call, that stated once they investigate there's nothing they can do but I can feel free to sue. I can't find a lawyer for this kind of thing. Since then they've deleted my account because I kept asking for a manager to call me. I filed a police report and was referred to the FBI. I filed 3 complaints with the FBI but they don't respond. I need my money back and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA is notorious for predatory practices and allowing lenders to give false information about their customers so that they get approved for a car. 

It may seem good for people with bad credit, but they intentionally target these sub-prime customers so that they can give you extremely High Interest rates and make you have to make payments on a car that total far higher than the car is worth. 

Santander Consumer USA approved me for a car loan of a brand new car back in XX/XX/XXXX which I found out was a Lemon. 

Within five years the transmission on the car Santander loaned me had broken down totaling over {$2000.00} worth of fees to fix. Along with the car auto shutting off whenever I drove over 25 miles per hour. 

The brakes had problems and wouldnt work too well within the first week of driving the car. The car would also squeak loud whenever I turned a corner the very first week, and still does 5 years later. Along with the XXXX XXXX XXXX XXXX XXXX having tires that I had to special order online, there were 6 times I had to replace the serpentine belt. 

I am on year 6 with this car, and it just overheated and started smoking randomly on the road. Ive spent over {$580.00} just on mechanic fees this month. 

Ive also paid over {$17000.00} to Santander Consumer USA for a car thats priced around {$12000.00} to get it brand new. 

The worst part is that Santander Consumer USA only marked my total payoff balance down from {$15000.00} to {$12000.00}. 

Five years of paying car notes that total up to {$350.00} monthly ( excluding car insurance ) and my credit report is worse than it did before I had this Santander Consumer USA loan on my account. 

They also call and harass me every day and ruined my credit report by saying I was 3 months due on late payments when Ive already paid off the car. 

I should be getting a title for my car sent in for my Santander Consumer USA car loan being fully paid off, but instead Im getting harassment calls everyday from them, along with an extremely high false payoff balance and their false late payments Santander listed on my credit report made my credit report drop over 100 points. 

The amount of stress, worry, low self worth, XXXX, and feelings of hopelessness  that came from Santander Consumer USA is torturous and I just wish this car loan, would be accurate and show my loan to be completely paid off and removed from my credit report so I can live my life freely again.

Company response to consumer: Closed with explanation