vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A 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 accounts 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX, XXXX XXXX a letter was sent via certified mail letter TRANS UNION know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

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 2022-05-17 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XXXX XXXX. 2022, I called XXXX XXXX support because of a problem with my computer. The first agent said he needed to transfer me to another agent. The second agent worked on my computer remotely and said I needed a XXXX upgrade which cost {$290.00} which was good for 2 years and then I would have to pay again. I gave him my PNC Bank credit card info for the service. I went into my account and noticed a {$300.00} charge to XXXX and 2- {$100.00} XXXX XXXX cards which I didn't recognize. I was having the same problem with my computer so I called XXXX XXXX and told them my computer wasn't fixed and told him about what had happened previously. He said that my XXXX XXXX XXXX with XXXX XXXX covered their services and I should not have been charged and he fixed my computer. I then called PNC and told them to cancel my card and issue a new one and told them about the fraudulent charges. PNC went back and forth on relieving me of responsibility for the charges. At first they took off the 2- {$100.00} charges, but not the {$300.00} charge. I called them and and got them to take off the {$300.00} charge. Then it showed back up on my next statement and I called again. They said it was under review and they would contact me. They sent a letter saying that they weren't going to relieve me of responsibility of the {$300.00} charge. They said they needed more evidence. I had made a report about the fraud to XXXX XXXX the day after when I called about my computer not being repaired. Since that time, I have called XXXX XXXX approximately a dozen or more times trying to get the report or have them take responsibility and no one will send me the report that they took or let me speak to anyone about fraud. I have also went to XXXX XXXX 's online forum and got similar responses. No one will accept responsibility. I would like PNC Bank to be held responsible for fraudulent charges to their bank cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2022-05-17 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:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XXXX I reported this company for many issues. Since the report with your Bureau, the company has contacted me but had no resolution, but I requested to be removed from the loan and this still has not happened. To date I was not removed from the loan. All documents for the car ( Registration, Insurance, and title are in the owner 's name ) as it is supposed to be, but I remain on the loan. 
I am submitting this complaint because I would like to be removed from the loan. There is no reason of why I should be on the loan. 
The owner of the car has tried to contact the company on many occasions in attempt to ask them to remove me and was unsuccessful. As of date the car has been in my name for six - seven months and I would like to be removed from the loan ASAP. 

I do not need the company telephoning me to get information, to help them respond to you. I need them to remove me from the car loan they can call the owner for the vehicle, and converse with him. I prefer not to receive any mail on this matter either. They should respond to your company, the owner of the vehicle, and to the credit bureaus only.

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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I have been getting phone calls from Credit Management for roughly two weeks at this point. I have received nothing in writing from them to validate the debt they are speaking on and in fact I have a zero balance letter from the company they are claiming I owe money to. Today XX/XX/22 at XXXX XXXX I received a phone call from XXXX and a " XXXX XXXX XXXX asked to speak to me, XXXX XXXX XXXX I told him I am XXXX and asked what this was in regards to. He asked me to validate my address, I asked the name of the company he was calling from. He stated my address again and told me to validate my address. I let him know I am not validating my address without knowing the name of the company. He then said " We will just reach you by mail '' and hung up. 
XX/XX/22 XXXX XXXX I called the number back, got XXXX XXXX When calling I heard it was Credit Management via their recording. I notified XXXX that the previous agent was not allowed to refuse to provide identification. She asked me to confirm my address as well-but she did say the name of the company and said she could provide more information if I confirmed my address. I let her know Im aware of what this is about now, but my call is to alert her the previous agent, XXXX XXXX, REFUSED to provide the name of the company while demanding me confirm my address which he is not allowed to do and I will be filing a CFPB complaint on him for failing to identify his company while demanding personal information from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This two AVANTE 's account with balance of {$450.00} and {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-05-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo sent my statement late, I paid the bill, and then they sent me another statement with a {$29.00} late fee and {$19.00} in interest on {$770.00} bill I paid in full that arrived seven days late. I called to request they waive the fee and interest and they declined. Given their history of creating false accounts and charging unsuspecting customers fees and interest on accounts they didn't know they had, it doesn't surprise me if they intentionally sent out my statement late to charge me fees and interest.

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 monetary relief
Consumer complaint received 2022-05-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Fifth Third Bank, has violated my rights In XXXX 2019. 

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.

15 U.S.C 166b A Creditor may not treat a payment on a credit account under a closed end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have a problem with a purchase from 2013, and I need proof of purchase. I can not find my statements from 2013, and BOA did not have the reports for 2013.

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 2022-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
A month before my lease ended, I traded in my XXXX XXXX XXXX to XXXX. XXXX paid off the remainder of the car to XXXX ( XXXX in XX/XX/XXXX ). XXXX assessed a turn-in fee for {$350.00} ( plus XXXX tax ) on XX/XX/XXXX. I did not return the vehicle to XXXX. Therefore, they should not have assessed a turn-in fee. 
I attempted to contact XXXX using the method they specify on their website ( called XXXX ) during normal working hours - XXXX to XXXX per their website. The automated system said they were closed and offered no other way to contact the company. I found no way in the automated system to dispute the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
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 non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bepensa Capital, Inc.
State: CA

Complaint narrative:
I paid my vehicle loan off on XX/XX/2022 and since have been trying to obtain my title from Credito Real. They have continually lied, telling me it is on the way. The only thing I received the lien release. I have been to the XXXX and spoke to the Manager there, who has advised that Credito Real must electronically release my title. I have tried to contact someone in their title department and all I am told is " you can send them an email, we have no way to directly contact that department. '' I have sent XXXX emails to Credito Real, as well as advised them that I am filing a formal complaint. No one has replied and I still do not have my title for my paid in full vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MS

Complaint narrative:
The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX  has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirty days to complete my investigation here are my Certified tracking number XXXX

Company response to consumer: Closed with explanation