vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: WV

Complaint narrative:
Equifax is reporting that i have maintained a high balance history on XXXX credit cards. I have attempted to dispute this, they all about 1 day to " investigate '' and sent me a letter saying this information is accurate. This is a lie. At this point they are intentionally lying about my credit history causing damage to my score. I attempt to log back into their site today to again dispute their information and i am prevented from doing so. They made no attempt to contact the credit card companies to verify the information the simply decided its true. 

They report I have a balance of over XXXX on my XXXX XXXX card and have had that balance since at least XXXX XXXX XXXX. This is a lie and can be verified by the credit card company. I have paid off my balance in full each month i had the card and carry a 0 balance now and always yet Exquifax says i have a current balance of over XXXX. And they refused to remove this from my credit report. I called the card company myself and they have never reported me having a balance of XXXX at any time. 

Equifax also reports that I have maintained a high balance on a XXXX XXXX  XXXX credit card for years as well, this is also a lie. I havent even used that card in years. And I had always paid my balance in full each month when i did use it. Equifax could have contacted them to confirm this and they did not. They simply claim the information is accurate, which is a lie. I have to say lie because they will not produce any information to back this up and the credit card company reports a 0 balance since XXXX. They are deliberly falsely reporting my credit history. Their own credit report shows no activity on this account in the time they are reporting a high balance. 

And try calling Equifax to clear this up? Yeh they make sure that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-11 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account name 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.

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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In reference to my previous disputes with this company I am including the previous dispute numbers XXXX XXXX XXXX XXXX XXXX I am also including a invoice pertaining to my rights as a consumer being violated repeatedly from the start of this process. This company has caused me damaged of time that I will never be able to recoup.

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 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Our company paid our auto loan with A.C.C. in full 2 yrs early before this vehicle loan was due and around XX/XX/XXXX in the amount of {$8000.00} via certified check. We received a letter from A.C.C. stating it was paid in full and that the loan was satisfactory around XX/XX/XXXX. 
Fast forward to now XX/XX/XXXX XXXX we get a notification stating that the account is in collections and reporting open after they cashed the check and gave us title of the vehicle.

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 2022-04-11 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: NY

Complaint narrative:
EXPERIAN, Unlawfully Provided My Credit Report to a Third Party Without My Permission... Which has my Private and Personal Information ... I have a Letter Fron Such Party stating Experian Provided my Credit Report to Them. By Law Experian is in Violation a per FCRA Codified at 15 USC 1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) I am Settling your Civil Liability Damages for {$1000.00} Pursuant to FCRA Violation 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ).

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 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX  acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX  Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 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 2022-04-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX 30 60 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX # XXXX 30 day late payment, XXXX XXXXv acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX fXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX helped me do my unemployment papers online where she got my information stole it And locked me out of my edd account then she has taken the money out of thebank of America and has reapplied and is fixing to receive more benefits I have been trying for 6 months to close the accounts and can not no one will help me or even believe me the bank of America will not stop issuing a card to her at an address that is not mine and I can not even file a claim on the money she stole

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 2022-04-12 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:
Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V 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, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, 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 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 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My credit was ran several times without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My credit was ran several times without my knowledge

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 2022-04-12 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: NC

Complaint narrative:
TRANSUNION HAS BROKEN THE LAW! 

TransUnion is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( 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. 

I XXXX XXXX XXXX XXXX have not given TransUnion written instructions to furnish my report.

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 2022-04-12 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: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
items on my credit report were removed then added back on. 
Also debtor can not tell me what the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally bank. 

On XX/XX/10, all debit transactions to my account were duplicated, causing my account to overdraft. The money that was supposed to be left in my account are due for bills and payments in the coming days, which are now missing, rendering me unable to fulfill my financial obligations due to a lack of transparency and clearly a mistake on Allys end. 

No statement was issued by the bank, I was not warned, and I was only made aware of this by receiving numerous emails that my account has been over drafted, and I need to cover the balance. I checked my transactions and as stated above, every single transaction on XX/XX/10 made from my account was duplicated, removing an excess of XXXX dollars from my checking. 

I had contacted Ally customer service twice. The first representative didnt even ask for my name or account and said the issue would be fixed ( XXXX XXXX ). I spoke with a second representative who stated that no fund reversals were active on my account and the money should be back at XXXX XXXX, if theyre not, try again tomorrow. It is clear that theyre is no communication both in the organization or out. I still have no received my funds, putting me at risk to be late on payments, or to have my payments bounce potentially causing me to lose my car insurance. 

Again, there is a complete lack of transparency at the moment with Ally bank, as this is affecting many customers, and there has been no statement nor timeframe issued as to how the problem will be resolved. At this point due to the issues above, it feels more like theft from a bank then a mistake otherwise a statement would have been issued.

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 2022-04-12 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 act XXXX account name 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.

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 2022-04-12 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a deposit of {$800.00} in the form of XXXX payment. 

On XX/XX/XXXX, the bank froze my account and put an unauthorized chargeback on the transaction. As a result, I lost entire {$800.00} because of the transaction reversal. Since then, I tried to contact the bank 's Fraud Department as well as XXXX Complaints Management Office. None of them provided me essential resolution even though I provided all the necessary evidence to show that the transaction was valid. 

On XX/XX/XXXX, I requested a full disclosure of how the investigation was conducted by the Fraud Department. But it eventually got rejected by the bank without any explanation. 

Below are the representatives who handled my case : Fraud Department : XXXX, XXXX XXXX, XXXX, XXXX Escalations Representative : XXXX XXXX, and XXXX Case Number : 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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had a {$1000.00} limit on a synchrony XXXX for about a year. I was surprised they approved me due to credit score issues. However, I used the card during the pandemic to stay afloat and made sure to make EVERY payment on time and often made more than the minimum. I was able to pay it off completely and was so proud of myself. About a month after I paid it off, I received a letter stating they were closing my account. I was a good client. There has been no change in my credit history or housing situation. The letter is non specific and when I called to inquire, the rep couldnt help me. If this is how synchrony bank treats its good paying clients, I want no part of their bank. I think its horrible that the punishment I received for paying it off is a closed account which will further damage my credit history. I wish I never dealt with them at all.

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 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XX/XX/XXXX I went to XXXX Kia and purchased a XXXX Kia XXXX. 

I am the original creditor pursuant 15b USC 1602 ( g ), on the day in question I extended credit to the dealership, making me the originator.

The existing device used for credit in this transaction to secure money/loan was my social security card, ACCORDING to 15 USC 1602 ( l ) 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.

I the consumer was asked to make a down payment to secure the loan/line of credit, the amount I was asked for was {$2000.00}. The documentary evidence will show that there is a finance charge attached to the loan. Pursuant 15 USC 1605 Determination of finance charge, " the finance charge is the sum of all charges ; the finance charge does not include charges of a type payable in a comparable cash transaction. '' Because I used my social security card which is a credit card, defined by federal law. This transaction is deemed a credit transaction by federal consumer law and I didn't need cash ( {$2000.00} down payment ) to secure this transaction. 

The term " credit '' means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant 15 USC 1602 ( f ). The definition clearly states credit is my right, so to be told I needed cash in a credit transaction was false and misleading to me the consumer. 

I demand the money be returned to me 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