vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I was defrauded by a company and the bank failed to do a proper investigation protecting my consumer rights. The only thing I was provided was some log of from the company I am disputing. The bank didnt fulfill its duty to understand what had happened and that I was defrauded out of my money. I was scammed into signing up for a course which I understood to be asynchronous at the time of purchase {$2200.00}, which it ultimately was not. By the time I realized this wasnt the case I was told it was too late to get my money back from the company so I filed a dispute with my bank. I also filed a complaint with the AG in the state of California, FTC as well as the XXXX XXXX XXXX. I am now out {$2200.00} because the bank is stating theyre taking the temp credit back that they gave me and the company will not refund my money. I have nothing to show for {$2200.00}, nothing. The bank did also take longer than 45 days to investigate this and I was not notified until today of their decision. Please do the right thing and ensure my consumer rights are protected. I can send the emails i had with the merchant when I was asking for a refund and why. Please reach out to me so I can forward those on to the appropriate party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: GA

Complaint narrative:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX. XXXX- 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 2023-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Hyundai motor finance keeps reporting wrong amounts on credit report making me & my wife credit drop have all documents to show there incorrect charges

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 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
This is a new card, and I have learned that this is a predatory lender taking advantage of people. 
For four months now, the company has tacked on a credit protection fee for {$3.00} when I never requested it. The first month that I noticed it, I asked that it be stopped. It was not. 
This company also generates insane late fees of {$40.00} + when the payment was NOT technically late! My payment was made on the same day it was due, however they did not process the payment until after XXXX XXXX, considered it late and then doubled my payment for the next month! Then after doubling the payment since the full amount was not paid, they added yet another late fee on top of that! I am not the only person upset about this. There are several reviews stating how awful this company is. 
The overseas customer service reps are not helpful, are rude, and do not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on XXXX and was able to get it removed. 

Then they sold the fraudulent loan to VANCE & HUFFMAN LLC in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have applied for a bussiness credit card at CITIZENS BANK and the manager  started telling me that I need to upload three bank statements and first bank statements are very delicate personal information and I have a contract with vendors and my clients I cant disclose any of those bank statements. I have sent tax return to the bank that shows enough income and verification attached I sent as well XXXX and state registration of the corporation. I have asked what other ways I could comply with requirents when in disclousures for that credit card it doesnt disclose that bank statemts are needed. Now when I sent the bank that they are doing discrimination to me because they are offering less favorable terms for me to make it imposible to get the credit card. I need a response in 15 days or I will legally take them to court for discriminating my bussiness since there is not disclousures that says that for that exact credit card I need any documents specially when by law under XXXX loan or credit card should be applied without documents..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Please provide proof these accounts belong to me. They have failed to provide any proof these accounts belong to me based on the guidelines.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There was a settlement for over XXXX made for XXXX XXXX. I had ask them I would like for this to be removed once resolved. They took the money and have not Removed this account from off my credit reports. I have reached out to.both XXXX XXXX and XXXX in which neither has done anything. Nor provided me with written proof that once paid they would not remove this account off my credit report. That's all I asked and or wanted them to do once payment was received. Payment was received I. XXXXXXXX XXXX XXXX, yet they have not done their part by removing this item. Please help me. 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 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I didn't pay {$130.00} for my final 2 months of XXXX XXXX XXXX XXXX service. XXXX & XXXX, for some reason, sent 2 collections agencies ( XXXX XXXX ; ( XXXX ) XXXX ) and ( Prince Parker ( XXXX ) XXXX ) ) after me for the money. 

Once I paid on XX/XX/XXXX, XXXX XXXX XXXX withdrew the debt from XXXX, but never contacted Prince Parker. Prince Parker says they're going to hound me for 6 MONTHS and keep it on my credit report for that long because XXXX XXXX XXXX never contacted them, and won't respond when I give them a receipt. 

Please tell Prince Parker that I've already paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-06-10 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: Synovus Bank
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp.
State: CA

Complaint narrative:
In XXXX, ASPEN Financial Direct issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on IDENTITYTHEFT.gov and was able to get it removed. 

Then they sold the fraudulent loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late on payments for the account. 

Account XXXX XXXX Account # XXXX Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to on time as they should have never been late. Thanks

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 2023-06-10 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: Kansas Counselors, Inc.
State: KS

Complaint narrative:
In early XXXX of XXXX, I was alerted by XXXX XXXX that I had a negative comment that impacted my credit score. The comment was that Kansas Counselors , Inc., showed an unpaid bill from XXXX XXXX XXXX , XXXX, in the amount of {$770.00} for a visit to XXXX XXXXXXXX XXXX ER on XX/XX/XXXX. I contacted XXXX XXXX XXXX several times in an attempt to get them to remove the debt from my records. They refused. I filed a complaint with XXXX on XX/XX/XXXX, and I received their response today, XX/XX/XXXX. Their response was : " If XXXX was able to make changes to your credit report based on information you provided, they made those changes. Otherwise, XXXX asked the company reporting the information you disputed to investigate. '' I paid my copay of {$90.00} to XXXX XXXXXXXX XXXX on XXXX. Despite this fact, XXXX XXXX XXXX, Kansas Counselors and the XXXX XXXX XXXX have been unable to remove this negative remark from my credit score. I have never received a single letter or phone call from Kansas Counselors  since the account was sent to them on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a fraud alert from citi credit card company by email and text on XXXX somebody atempted to make a purchase for {$500.00} at XXXX store in XXXX and it was declined. 
So I logged in my citi card online account to check, it showed a transaction of {$500.00} at XXXX XXXX in XXXX and a transaction of aboout {$20.00} at XXXX XXXX XXXX XXXX were declined since the card was not present, and I found another unauthorized charge of {$500.00} at XXXX XXXX in XXXX, so I disputed the transaction of {$500.00} at XXXX XXXX XXXX on XX/XX/ right after I received the fraud alert, however I received a letter form Citi Security Services on XXXX that letter says " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. ". 
I called Citi Security Operation right after I received the letter and they said they would re-open this investgation, however I received anoteher same letter " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. '' on XXXX 
Please show me the signature. I have never used my citi credit card at XXXX XXXX or been to XXXX. Please dispute.

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