vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
I paid a bill, and the amount was specifically entered as {$1100.00}. When it showed up on my credit card statement the amount was {$1100.00}. This bank makes so many errors it's unbelievable. I've had ongoing issues with fraud and overbilling and now this. I can't get them to do their job.

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 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAC Financial Corp
State: OK

Complaint narrative:
have reached out to the original creditor XXXX XXXX XXXX XXXX ) for the medical bill.i was on a payment plan and paid it all the way down to less than $ XXXX was impacted financially by covid 19 as well as contracting it.this acct went into collections.i reached out trying to get assistance with this acct and received no reply.this Is showing on my credit report negatively and it was due to beyond my control.i would like this removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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 2022-05-05 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: PA

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. 

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 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, 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 2022-05-04 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan Acceptance is a fraudulent company. That loan is paid off. I had to refinance to get rid of XXXXhem.They hold checks until the account is overdue and have their collectors call and threaten me. Then, toward the end of the month they apply the check to the account. It happened twice to me. I always paid on time and this report they gave of me being over 60 days on a loan is false. I had a credit score of XXXX and they have driven it down under XXXX for the first time in many years. Check my real credit history without Nissan Acceptance. This company should be investigated and shut down. I would be glad to testify to the true nature of this shameful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXXXXXX Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX  Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

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 any reasons.

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 2022-05-05 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: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 

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 any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I have a derogatory mark in my credit report from national credit adjusters. I paid the debt owed to them abs that mark is still on my credit report and is still being reported. I called them to have it removed and they says they dont do that. So Im seeking higher actions to have this matter if possible. The debt was paid off in XXXX and they are still reporting to my account they last time they reported was on XX/XX/XXXX and I dont understand why when it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been writing to TransUnion over the course of several months after I discovered XXXX fraudulent inquiries showing on my report. In the letters I have written to TransUnion, I have included my name, address, date of birth, social security number, the lender 's name, the date of the inquiry, and the reason I disputed the inquiry. TransUnion has responded to me several times now with form letters that fail to address my dispute or they have failed to respond at all. 

One of the responses I have received from them says they want to " provide a further explanation of the inquiries on my report. '' The letter then continues to explain what an inquiry is to me. This is not an acceptable response to my dispute, because it provides general information that is publicly available through a XXXX search, without processing my actual dispute. 

The second type of response they have sent me is a letter that says they do not believe I sent them the dispute letter. The letter ( attached below ) states that they think an unauthorized third party sent the dispute on my behalf. 

The most recent time I wrote to them, on XX/XX/2022, I decided to try a different approach. I wrote to them about the fraudulent inquiries, including the same information I mentioned above. I also included copies of my driver 's license, social security card, and a recent utility bill. But above and beyond all of that. I personally went and got the letter notarized, so there would be no confusion as to whether or not I was the one submitting the dispute. That took a lot of time out of my day and cost me money to get the notarization and pay for shipping the letter. 

TransUnion responded back to my most recent letter with more nonsense. Their letter, dated XX/XX/2022, continues to say that they do not believe I was the one who sent them the dispute. How can they possibly say that they don't believe I wrote the letter when I sent them all the correct information, my identification documents, and the letter was notarized? Besides going to their office in person, I am not sure what else I could possibly do to prove my identity.

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 2022-05-05 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:
I received an alert from EXPERIAN Credit Report Monitoring system of XXXX points decrease, BECAUSE XXXX is reporting inaccurate, unverified, not validated and frivolous account ( XXXX ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) XXXXXXXX is VIOLATING my federally and state protected consumer rights to privacy and confidentiality undXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt XXXXollectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, XXXX IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education XXXX XXXX ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct Experian and XXXX, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! ThANK You!!

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 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
I Consumer Dye did not authorize a consumer credit transaction with between VALOR INTELLIGENT PROCESSING , LLC and myself. VALOR INTELLIGENT PROCESSING , LLC has falsely accused me of entering into a fraudulent contract with their company. VALOR INTELLIGENT PROCESSING , LLC has violated 15 U.S.C. 1692b ( 2 ) of the FDCPA multiple times as well as,15 U.S.C . 1692b ( 5 ) of the FDCPA multiple times. 15 U.S.C. 1692b ( 2 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 U.S.C. 1692b ( 5 ) of the FDCPA states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

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 2022-05-05 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. 
In Accordance with the Fair Credit Reporting Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX 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 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 2022-05-05 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: PA

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 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, 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 2022-05-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX 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 2022-05-05 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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, 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