vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

15 USC 1881 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, Myself and Co-buyer negotiated and entered into the enclosed Retail Installment Contract ( the First Contract ) with XXXX XXXX XXXX XXXX XXXX ( the Dealer ) to purchase a XXXX XXXX XXXX ( the First Vehicle ). Under the First Contract terms, we agreed to pay a total of {$20000.00} in 66 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. The same day, myself and Co-buyer negotiated and entered into the second enclosed Retail Installment Contract ( the Second Contract ) with the same Dealer to purchase a XXXX XXXX XXXX ( the Second Vehicle ). Under the Second Contract terms, we agreed to pay a total of {$17000.00} in 57 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. We also agreed to an Annual Percentage Rate of 22.99 % for the First and Second Contract using Credit Acceptance Corporation to secure the loan. During that time Credit Acceptance Corporation was not in compliance with state filings and other business requirements to conduct business in the state of NJ. Credit Acceptance Corporation Treasurer XXXX XXXX in fact filed a Certificate of Withdrawal with New Jersey Department of Treasury on XX/XX/XXXX hereby terminating the companys license to do business in the state of NJ as of that date. Therefore my loan was fraudulently obtained on XXXX XXXX due to Credit Acceptance Corporation being deceptive and unable to do business legally in state.

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Herbert P. Sears Co., Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I received a phone call from a debt collector i believe to be H P Sears CO INC or XXXX XXXX XXXX, they did not tell me their name just demanding the last 4 of my social security number. I told them anything they have for me needs to be delivered in writing and told them to not call me and only send me my debt in writing. They called me back again today XX/XX/XXXX and demanded my information again, I told her to send me my debt in writing and that i told them on XX/XX/XXXX that I am not to be called so she shouldn't be calling me. She told me that they had, and she was calling me to follow up. I told her that I specifically told her company to never call me. She hung up on me without assuring me they wouldn't call, so I had to call back again to speak with another young lady and tell her to stop calling me and deliver what I need in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded below.

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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY EQUIFAX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYEQUIFAX.COM CREDIT REPORT BOTH ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED EQUIFAX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Filed for Covid relief. Was put in the program and got the runaround till it expired. Now my house is in foreclosure!

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carter Business Service, Inc.
State: VA

Complaint narrative:
Good Afternoon, I received a letter from Carter Business Service , Inc. attempting to collect on a medical debt from 2015. This debt is time-barred under Massachusetts law XXXX M.G.L. c. 260, sec. 2 clearly states that " [ a ] ctions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues. '' However, the letter clearly threatens to take legal action against me in violation of the Bureau 's Regulation F, 12 C.F.R. 1006.26 ( b ), which states that a " debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. '' The letter, in relevant part, reads " [ w ] e regret that our client may need to take further action to protect their interests! Should you prefer to avoid this action and make arrangements, please contact us today. '' Moreover, the letter does not disclose, in any way, that the debt is time-barred. I had to do a XXXX search to figure out whether the debt collector could still collect on the debt- which they can not. This failure to disclose that the debt is time-barred is a deceptive practice under the Consumer Financial Protection Act ( " CFPA '' ) as outlined in numerous CFPB enforcement and consent orders against debt collectors dealing with time-barred debt. 

The letter is also materially misleading. It claims that I owe {$750.00} in one place but the payoff amount is {$900.00}. It is unclear which amount I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
... .... 
TARGET RED CARD XX/XX/XXXX XX/XX/2022 CHARGED ME LATE FEE AND LOWERED MY CREDIT LINE I HAVE NOT BEEN LATE ON ANY OF MY BILLS OR BALANCES ON THIS ACCOUNT EIGHTHER I WAS OUT OF THE COUNTRY & I BELIEVE I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND PAY IT PROMPTLY IN 3 YEARS I HAVE HAD THIS ACCOUNTN NEVER DEFAULTED EVEN WHEN I DIDNT HAVE A JOB & OW THEY HAVE AFFECTED MY CREDIT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/XXXX I've been having problems with PNC for a long time. It started when my account was hacked into and all large lump sums of money was stolen and they tried to lie about the situation I act like I stole the money now I got in a hardship program with them twice when I get in the hardship program I will have to split my payment my payment is {$880.00} they split in half and basically I will pay half of that I paid that but it's like not consecutively that's pretty much is 3 months I did it recently they say XXXX XXXX and XXXX and XXXX I paid about XXXX XXXX XXXX XXXX XXXX I paid {$440.00} and some change in XXXX I went back to my {$880.00} I actually paid them come to find out to payment and XXXX and then I pay XXXX as well they keep trying to say that I owe them {$32000.00} one of the associate she didn't seem to know how to do a job she said I had late fees which I'm never late I said did it was still {$31000.00} and then it wasn't due to be paid off the same maturity date of XX/XX/XXXX XXXX of XXXX I need this matter fully investigated to find out what from Penny to Penny where did my money go at how did they come up with these figures it seemed like they just charging and telling you anything when you call him somebody tell you something different every week you could call twice and somebody will tell you different amount I need this fully investigated and Penny the penny print out somewhat what's all on this vehicle and why is a maturity date. Change it when you have gotten extra payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 Number : XXXX has violated my rights.

15 USC 1881 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 and purpose.

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it 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 2022-04-29 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ss # XXXX My DOB XXXX My address : XXXX XXXX XXXX XXXX XXXX OH XXXX I checked my 3 credit report agency XXXX XXXX XXXX and XXXX and I see a collection from XXXX XXXX XXXX in the amount of {$350.00} Belongs to the original creditor Flagstar Bank XXXX according to the detail, the account opened on XX/XX/2019. I contacted Flagstar Bank at XXXX to dispute this collection account, they said that this account belonged to XXXX XXXX and was transferred to Flagstar Bank but I told them that I have no knowledge of this account, I never done business with XXXX XXXX as well as Flagstar. This account is not mine and I never signed anything to open this account unless someone stole my info and fake my signature. Please help me to remove this for me. Thank you so much

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 2022-04-29 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: LA

Complaint narrative:
XXXX charged me late fees back in XX/XX/XXXX / XX/XX/XXXX for XXXX I HAVE NEVER BEEN LATE ON ANY OF MY BILLS OR BALANCES I WAS OUT OF THE COUNTRY WHEN I BELIEVED I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND CANT BELIEVE IN ALL YEARS I HAVE HAD THIS ACCOUNT NOW THEY HAVE AFFECTED MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im writing to file a complaint against Bank of America for their failure to remedy an action that was outside my control and fraudulent in nature. On the date noted, Bank of America ran a hard check of my credit without my approval to process an application for credit. The credit requested is believed to be for a credit card, which was obviously not me, because I already have a Bank Of America credit card. Hypothetically, if I was interested in additional credit with BofA, I would have requested an increased limit on my current credit card with BofA, not filled out an application for another credit card with the same bank. In addition, this request was not made by me based on the fact that my home network was hacked and illegally accessed. I have attached documentation to prove this occurrence is valid both past and present. My documentation includes a notice received from XXXX XXXX XXXX Cybersecurity Department validating my network, computer, mobile devices, and email accounts were accessed and used fraudulently by an unknown third party, but currently understood to be employees of XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. These companies are the only ones having keys to my network 's main switch room. My understanding of this is based on information reported to me by the then buildings custodian, who monitors daily access to the switch room. I have also attached screen prints from my XXXX XXXX app that showed repeated unknown devices and laptop computers accessing my secured network, where I alone am the only person that should have access and monitor security issues constantly. The information regarding unknown devices is also credible as it is provided by XXXX XXXX XXXX XXXX XXXX, alleged to be the most secure personal and small business network provider in the market. Lastly, I will submit a police report documenting my network being illegally compromised, but unfortunately, this is subject to ones ability to make the XXXX XXXX police department record my report as no physical assets were stolen or property damage occurred, regardless of this event having a very concerning effect on my overall credit report and credit worthiness to future lenders. If you have any questions or require any additional information, please advise and be happy to assist.

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