vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: CA

Complaint narrative:
Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.

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 2022-08-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
According to bank statements on XX/XX/XXXX a XXXX XXXX XXXX XXXX started making charges on my debit card that was in my possession in XXXX XXXX XXXX 
a XXXX search shows the XXXX prefix at the beginning to mean the merchant is using XXXX ( a service used by a business to charge credit cards ). A search using the XXXX website shows XXXX XXXX XXXX XXXX  to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. According to the bank statement at Bank of America the charges started on XX/XX/XXXX and there were 8 charges between XX/XX/XXXX and XX/XX/XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I do not know and did not authorize. 
I have no who this is or what they do. I have no business with nor have I had any contact with this business. 
I did not give them any information and I did not authorize them to make any charges to my card. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XXXX XXXX I noticed the charges on XX/XX/XXXX I called Bank of America and reported all unauthorized charges. I called back on XX/XX/XXXX and was told the XXXX XXXX XXXX' charge had not been reported so they opened a case for that one then. 

After hearing nothing I called back on XX/XX/XXXX. This is when I was told they had found the claim not in my favor. The reasons given was there was a deposit before the charges started. The deposit was from XXXX and unrelated to the unauthorized charges. There are deposits from XXXX every other Friday and have been for years. 
The other reason was they determined I had " an existing relationship with the merchant '' this is untrue and they based it on a charge to a completely unrelated merchant that also used square. Their " investigation '' simply amounted to, there was funds in the account and I had purchased from a different unrelated business that used the same credit card processing company. This is at best incompetent and seems to be more dishonest than incompetent.

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect fees and invoices bills statements that are pending Class actions law suits. 
C # XXXX C # XXXX LB C # XXXX Sunrise credit services , Inc is defrauding me Sunrise credit services needs to cease and desist any and all void remove any and all collections and derogatory collections attempts and reportings to all credit bureaus XXXX XXXX XXXX XXXX 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 2022-08-22 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: TN

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
i noticed a alleged debt of XXXX from Receivables management services that i dont owe, i sent multiple dispute letters asking for the validity of the alleged debt but never gotten the document requested nor a deletion from my credit report.my first letter was on XXXX, XXXX, and XXXX was also sent to the CRAs as well, i am requesting deletion of this inaccurate and incomplete item from my credit report within 14 days or i will turn this matter over to my attorney to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: RI

Complaint narrative:
I have recently been informed that there is a Bankruptcy XXXX XXXX in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX # XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureau actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in court venue local to me in order to formally defend yourself.

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 2022-08-22 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: KS

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-08-22 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: KS

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB + Capital One, This is for Capital One account ending in XXXX. 

On my latest XXXX credit report dated XX/XX/XXXX it states I have 90 day late payment on XX/XX/XXXX and 120 days on XX/XX/XXXX. 

Capital One according to your attached letter - you were removing all late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The secured credit card account was closed, with a {$0.00} balance, on XX/XX/XXXX. 

However, XXXX is showing I have late payments on XXXX and XX/XX/XXXX- which is not correct, as the account was closed XX/XX/XXXX. 

( By the way XXXX and XXXX do not show this ). 

Can you please prepare a more clear letter from Capital One that states this? 

I have tried to rectify with XXXX and they say you need to provide them and myself a letter stating as such so they can remove. 

Attached to this CFPB complaint are : - drivers license - social security card - address - snippets of the credit report - your letter to me that needs to also add the parts to remove late payments for XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received a statement dated XX/XX/XXXX after I made a One Time payment offer of {$130.00} claiming I still owe {$1300.00}. Accompanied with this statement was a letter headed by the collector, this one dated XX/XX/XXXX that references the account number and reads as follows, To Whom it May Concern : Please see attached paperwork for the 1 time payment Quick Discount Agreement that was made online for the Account ( Leaving blank here as stated above ). Per the online payment agreement would resolve the account at a discounted rate. Please Honor that agreement as the one time payment of $ XXXX was made on XX/XX/XXXX. Please note that this is to settle the debt and it is not my acknowledge of liability. Please report to credit agencies as paid in full or the equivalent best case scenario and have this removed from my credit files SINCERELY, MY NAME INSERTED HERE With the above statement was a photo of the online payment that was made which shows the title stating Pay in! installment followed by, Quick Discount allows you to make a one-time payment and resolve your account at a discount. TORAL {$130.00} ( DISCOUNT : 75 % ) I called today XX/XX/XXXX to ask about the confusion in the letters received and was told that the one time payment was not for an agreed amount of {$300.00} which was not the case giving that the online payment clearly shows and states the discounted 1 time payment was in fact for the amount of {$130.00}. i Spoke with 3 individuals on the matter due to being transferred a few times. I can provide their names if requested. At the end of the conversation, the Manager claimed she can no longer help me since i don't want to agree with her terms and that she would not honor the letters sent by their company and would in fact not resolve my account and then hung up on me after a sarcastic " HAVE A GOOD DAY ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: MD

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) - permissible purpose of consumer reports Equifax has violated my privacy and consent. They assumed a vital role in assembling and evaluating consumer credit and did not exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax never requested or obtained written instructions from me to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX says that I owe {$140.00}, this company is a water service company and also goes by XXXX XXXX. XXXX XXXX XXXX XXXX directs you to XXXX XXXX website. I have already paid XXXX XXXX  my debt of {$120.00}, I paid a different debt collection agency XXXX for this debt, I paid XXXX {$140.00} for their collection and processing fees. I also have receipts of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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:
FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXXY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX A XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open.

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 2022-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On or about XX/XX/2022, CITIBANK received funds I had transferred to them from my personal checking account to fund a Citi Accelerate High-Yield Savings Account. Per a Citi acknowledgement letter, funds were received by them on XX/XX/2022 and available XX/XX/2022. 

The above account was opened in response to a Citi solicitation mailing ( personal invitation code XXXX ) to receive a {$300.00} bonus if funds were received within 20 days of opening a Citi Accelerate High-Yield Savings Account in the amount of {$30000.00}, and the deposit maintained for an additional 60 consecutive days - all of which requirements were met. 

Approximately five or so weeks ago, I contacted Citi to inquire about the status of the {$300.00} bonus I was entitled to for opening the account. ; was told it would take a few more weeks to process. 

On XX/XX/2022, I contacted Citi again to inquire about status of the {$300.00} promo bonus; was told my account was opened in the " wrong package '' (???? ). Citi representative said account was opened in a Basic package (? ) not an Access package (? ) which was the one available for the bonus dollars. The Citi representative could/would not give me a clear explanation of what they were talking about. 

To reiterate, my account was opened pursuant the above referenced Invitation number ( XXXX ), and all requirements complied with. I have made arrangements to close the account, but feel I am entitled to the {$300.00} bonus .Nowhere in the literature I received from Citi is there any reference to different " packages. '' This sounds to me like and bait and switch scam, such that I would not have expected of CITIBANK..

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Checking account was open open at Citizens Bank and I did not authorize the opening of this account. I received a correspondence letter From citizen 's bank Stating that I had a overdrawn amount of {$13.00}. But I never opened an account with Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Im reporting fraud via my checking account and XXXX scam from a XXXX marketplace interaction. I have documentation to support the theft and fraud. I have previously reported this to my banking company ( XXXX ) but they claim I authorized the charge and transfer which I did under the pretense of a return funded by XXXX which did not occur. The scammer told me that I needed to download XXXX in order for them to pay me for a item I listed for sale for {$200.00} ( indoor spin bike ). They then said bc I did not have a business account they needed to pay {$500.00} and asked if I would be willing to refund the {$300.00} once the payment went through. All this time I was receiving fake emails from XXXX which appeared legitimate at the time saying these transactions were taking place. This scammer did not send {$500.00} and I sent them {$300.00} from my account. 

According to the Electronic Funds Transfer Act of 1978 I am hopeful I can have my money returned as this fraudulent behavior occurred. It was as if it was stolen from me, no different from debit card or credit card fraud. 
I have supporting screenshots, emails, etc of these interactions. 

The person was named XXXX XXXX and used the email XXXX in their XXXX acct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Nelnet, Inc.
State: GA

Complaint narrative:
I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation