vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: OH

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 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXXXXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX closed account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
Equifax has listed XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This account was not properly validated by Equifax. I reached out to the collection agency to verify this debt because I was unaware of it.I sent them a letter in the mail as well as filed a complaint with the CFPB. The CFPB complaint ID is - XXXX. XXXXXXXX XXXX  XXXX XXXX was not able to properly validate the debt or legally collect debt in my state of residence. They have since ceased acting as a data furnisher and sent out a notice to the CRAs. I have attached the documentation I mailed to the data furnisher, the CFPB complaint, and the XXXX form provided by the data furnisher. 

This account should have never been listed on my credit report. Equifax is not independently verifying consumer information and consumers are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
On XX/XX/XXXX of 2020 I wrote TransUnion credit reporting agency a letter informing them that they are reporting inaccurate information about a Bank XXXX XXXX account ( {$6000.00} ) that do not belong to me. ( Plz see XXXX ). In my letter I asked them to plz validate the information with XXXX and for them to provide me with copies of any documentation associated with the alleged account. 

On or around XXXX of 2020 I sent a XXXX attempt letter to TransUnion to give them another chance to delete all of the inaccurate/unknown accounts that do do belong to ma. ( Plz see XXXX & XXXX ( b ) ). 

From or around XX/XX/2020 I made a XXXX request for Trans union to delete the fraudulent information they are reporting about accounts that do not belong to me. ( Plz see XXXX XXXX & XXXX - ( c ). Their response was that they completed their investigation and that they believe that the accounts belong to me. TransUnion never sent me any information that would validate this. I demanded for them to validate these alleged debts also to show how/the method which was used to validate. Also, I asked TransUnion how did you validate the alleged debts when the actual so-called creditors couldnt verify nor validate the debts themselves?

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I received a bill from XXXX, XXXX for {$59.00}, and never applied for this card which I never received anyway. please cancel any membership I may have XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported to chase I was manipulated/mislead/targeted/threatened/scammed into sending money under falsified and exaggerated made up stories and lies by a woman who claimed to be a philanthropist and Artist. She would threaten to kill herself when Id try to stop sending money. She also said she knew gang members in XXXX XXXX I was scared she might have me killed if I came forward. I sent thousands of dollars. I reported this to chases fraud department but all I was told. They wouldnt be able to help me because I XXXX  and XXXX THE MONEY TO her myself. I asked if my money was FDIC insured the rep said yes and said my situation did not qualify. The first XXXX date started XX/XX/XXXX XXXX XXXX, XXXX on XXXX and continues through my XXXX account on chase. The amount exceeds over XXXX dollars of fraud by this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX received and accepted through certified mail a dispute for the following account : ( XXXX XXXX, ACCOUNT # XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the 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 2022-09-30 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: VA

Complaint narrative:
Experian is continuing to report fraudulent information on my credit report. I spoke with an agent today by the name of XXXX and he informed me that Experian will continue to report the same information. This information is reported inaccurately its against the law to report information that is not true. 

This is in violation of 18 U.S. Code 1028A-Aggravated identity theft This is an offense : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

This company is using my information without my consistent and publicly displaying this fraudulent information. 

This account is said to be over XXXX XXXX XXXX and Experian continues to report it, and it is negatively impacting my life. 

They are not completing an investigation only continuing to report fraudulent information and if this continues I will file a suit.

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 2022-09-30 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I received a text from my credit card company alerting me to fraud. I immediately logged onto my account and saw several charges dating XXXX. I then called the fraud department for Genesis FS Card Services ( Indigo Credit Card ) and told them that these charges were no authorized by me and I had no idea who the companies were that charged my card and needed to get a new card number and dispute the charges as fraud. To this date the dispute has still not been resolved and I have had to call the credit card company twice a month. It has been almost 5 months of this. I have not received a case number, I have not received any letters or notifications acknowledging the complaint and it has been longer that 90 days. I have called Indigo Credit Card ( Genesis Bank ) on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer 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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received an email from my banking institution stating that an account application was sent in my name. It was later approved. The banking institution reported a fraud alert and we verified that there was a fraudulent application sent in my name and the account was closed and shut down after verification. Credit bureaus were notified and a report is being submitted

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 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CO

Complaint narrative:
For this loan I was told I had to call to make sure they charged me the right amount so I would pay off the full amount on time. On the second to last payment I called and was told that the two payments were all set and they would be done automatically, and there was no need to call the upcoming month. I was told to just make sure the last payment was taken out of my card. That last month I checked my bank statement and the last payment for this lone had been done. I was surprised when a month later the company reached out and said I owed them {$7000.00} because a balance of {$20.00} had not been paid. I tried to come to an agreement with them since this had been their mistake, they told me they could reduce that balance to {$2000.00}. We insisted that this was their mistake and we did not need to pay this. They said there was a recording where they informed me that there would be a small balance after the last payment but I dont recall this and they refused to show me the recording. And since then they have taken out about four payment of {$76.00} from my account without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I signed up for Invisalign treatment at a dental clinic called XXXX XXXX in XXXX, NY. I signed up for a payment plan at the clinic, but then I needed to sign a second set of forms before I could officially begin the Invisalign treatment. I contacted one of the clinic 's employees that has been handling my treatment process and told them that I wasn't ready to sign the second set of papers and that I wanted to put it on hold for the time being. My contact at the dental clinic agreed not to begin my Invisalign treatment. But then I started getting a multitude of calls from this company called Commenity Bank, up to 5 calls a day and deleted about 15 voicemails this week. I reached out to my contact at the clinic for assistanceo n the matter, but I'm not getting any response back from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) 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 ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me.

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 2022-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  bank XXXX Bank XXXX Information is not accurate on my credit 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Home depot credit cards based on ( Citi ) is advertising 6, 12 months and 18 months financing and promotional- no intrest to deceive people. I paid card due on time but after that promotional period, Some balance was left. On month of XXXX XXXX I was charged {$650.00} on interest. I was shocked to see that. Based on the information I was told promotion is intrest free and interest accure after promotion end for balance left. 
XXXX in Home Depot informed us what type of promotional offer was it. So, I called homedepot credit and told the promotion is decieving. They are unwilling to help.

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 2022-09-30 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: PA

Complaint narrative:
These accounts are fraudulent I have no knowledge of these accounts and I would like them to be removed off my credit report. 

Company or Organization XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received emails from Bank of America and XXXX XXXX stating my application was approved for a credit card maybe about a month and a half ago. Maybe a week after I received that email I got another email saying they will be mailing my card to me. I then got in touched with both Bank of America and XXXX XXXX to let them know that I didnt open those line of credit. They said they would take care of it. I also put a freeze on my credit from all 3 credit companies. I just received s notice from my chase account that my credit score went down XXXX points. Could we fix this issue sj my credit goes back up to where its suppose to be. Please and 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
I contacted my lender and set up a payment arrangement. This was at the start of covid. My arrangement wasn't hornered., I was charger extra frees and eventually lost my vehicle. I have mumeriious conversation and and recording. I even spoke with legal aid. Nothing they offered was kept up on my lenders end. My car was taken and I wasn't notified. There was so many tools, cloth, money, etc inside my property. The car was resold and I was even sent a bill afterwards...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In order to get my new policy I had to {$150.00} plus {$35.00} in fees and I paid XX/XX/22 Payment credit card of {$180.00} to start my new policy. Once I paid the representative said it would be removed from all 3 of my credit reports in 30-60 days from the day it was filed. It is still on my credit report and I am a current policyholder with XXXX

Company response to consumer: Closed with explanation