vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I decided to open account with the same bank that my payroll check was written with after moving halfway across the state and needing a local bank. Instead of going into the bank and cashing the check from my employer I went online and saw that I could deposit it and it would be instantly available according to their website. So I did this. They then held the deposit and would not release the funds leaving me stranded 2 1/2 hours away from my new home. I called several times and the only resolution I was offered was to put overdraft protection on my new account and use the overdraft protection as a way to get gas to get home. So I deposited a check from their bank to my new account also at their bank and the funds were withheld from me not available due to processing. I couldve not open the account and walked into the bank which I was right by and cash the check and left and had no problems and now Im walking home. Ive spent all day its now XXXX XXXX  in the afternoon trying to resolve this issue so that I can get gas to go home and Im walking. Todays date is XXXX XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
XXXX billed me for a unknown item and auto charged it to my XXXX XXXX, I reversed the charge. They then sent my file over to Convergent to collect the fee. Convergent has made a negative mark on my credit dropping my score nearly XXXX points. I can not contact Convergent. They do not man their phones and they do not respond to contact requests. I have called over a dozen times and theres no way to leave a message. I do not have my account number and can not pay online. Im attempting to buy a home and this has affected my credit score severely and has lowered my ability to borrow money. I would like this debt removed.

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 2022-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-09 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: NJ

Complaint narrative:
I have a closed a count on credit report which has disputable closed dates showing on XXXX  transunion and XXXX. XXXX shows that the account was closed XX/XX/17, transunion is showing the account closed XX/XX/17. This information isn't consistent on reports.

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 2022-07-09 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: NJ

Complaint narrative:
I have a closed a count on credit report which has disputable closed dates showing on XXXX XXXX and equifax. XXXX shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They didn't get me logged in, I have called and called multiple times. That temporary password NEVER worked ( THE TEMPORARY PASSWORD WAS TO READ A MESSAGE, not to loggin ), they have not given me my username. Also they just gave sent a delinquent payment to the credit bureau. They have done nothing except laugh at the US government. I have called and spoken to multiple people to get this information and no one at TD bank has helped. I haven't seen a statement either, they stopped sending them to my house address. 

I want my username, I want to make a new password, I want an apology from TD bank, I want that delinquent payment taken off also. I will pay the minimum when I can log-on to my online account. I want a person from their tech department to call me and give me my username and they send me a link to my email address to make a new one. 

Also CFPB how about you contact the person with the complaint before you close the case. they have done nothing at addressing the real problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A 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 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however Transunion, XXXX, and XXXX continues to allow XXXX XXXX XXXX to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!

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 2022-07-09 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
American Credit Acceptance is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and XXXX continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. American Credit Acceptance has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: IL

Complaint narrative:
It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 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 ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 
The accounts that need updating are XXXX  XXXX reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX  reporting 0 %

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 2022-07-09 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 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 2022-07-09 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 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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX XXXX 2022  in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX XXXX 2022. On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2022-07-09 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

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

15 U.S.C1681 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 2022-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

15 U.S.C1681 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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of XXXX  On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation