vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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. 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 name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At some point in XXXX I searched for jobs and came in contact with a healthcare consultancy. Eventually, they backed out from their intent of hiring me and decided to arbitrarily delay the amount of money they made me deposit in order to apply for my XXXX work permit as my XXXX status in the US doesn't allow to perform paid work until I get my work authorization. I had no intent to apparently fall for their repetitive attempts to breach my legality in the US by offering me under the table salary and expecting me to work in a hope to make me an accomplice. I stuck to my morals. 

Also, they are now being sued in the NY court and they have skipped numerous hearings so far. The benefit of the legal option that I have opted for is that it could also help recover the money of many other gullible individuals over the years. 

The XXXX  reports are filled with fraud and literally the same experiences. 

The fact that the financial system in a first world country doesn't make appealing these scenarios is very unfortunate. 

The banking system essentially becomes the very supporting pillar. 

My bank is " Bank of America '' situated at " XXXX XXXX XXXX, XXXX, NJ XXXX ''. It is this same bank where unfortunately they hold an account. Even in this scenario, I have no easier option than generating noise in a hope to gather help and support. 


The transaction dates : - XXXX USD on XX/XX/XXXX - XXXX USD XX/XX/XXXX - XXXX USD on XX/XX/XXXX The fraudster / beneficiary is " XXXX XXXX XXXXXXXX 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 2023-03-25 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. 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 name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 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 2023-03-25 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: CA

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 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 2023-03-25 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-03-25 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was forced to expend the XXXX dollar credit given by AOL chase card in XXXX  because of a US CBP criminal XXXX XXXX harassing me at XXXX XXXX  and forcing me to sign I-407. This has happened because of fraudulent sun.com accountants did not want to pay me my capital or retirement or employ me when i complained in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Violations of : TILA ; FDCPA ; RESPA ; FTC ; Illegal Deed in Trust Filed over 13 months ; Failed To Accept Right To Cancel dated XX/XX/XXXX ; Decptive Practices ; Foreclosing on Time-Barred Debt ; Filed Certificate and Affidavit of Satisfaction Deed / Note XX/XX/XXXX ; Failed to Validate per attached QWR / Error Resolution Notice Under 12 C.F.R. 1024.35.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello dear! 
I have got my PayPal limited for 180 days on the XXXX XX/XX/XXXX under Ref ID - XXXX So, I have waited 180 days and on the XXXX XX/XX/XXXX I have got mail from PayPal says XXXX'Your PayPal funds are eligible for withdrawal '', I logged in and tried several times adding my new XXXX XXXX  and my bank card and it doesn't work, I have contacted the support of PayPal but they didn't help fix this issue for me at moment of writing this complaint. 
So, Please help me get my funds by helping me adding my XXXX XXXX  or my bank card to get my funds. 
kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Armed Forces Loans of Nevada Inc.
State: AP

Complaint narrative:
This company used similar predatory practices that XXXX XXXX used. Service members were informed they have to make their payments via allotment which caused excessive fees at the expense of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MS

Complaint narrative:
I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX } REMOVED/DELETE from my Transunion Credit Report -- SEE ATTACHED . Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX ; but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.

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 2023-03-25 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: PlusFour, Inc
State: NV

Complaint narrative:
Plus four continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX XXXX I removed from my credit report. 

Plus four this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Described in attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NV

Complaint narrative:
XXXX  XXXX continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and Equifax. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NV

Complaint narrative:
XXXX  XXXX continues to report medicals bills under {$500.00} on Experian, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.

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 2023-03-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXX XXXX XXXX } REMOVED/DELETE from my XXXX Credit Report -- SEE ATTACHED XXXX Additionally, this INACCURATE Credit Card Account information is also being reported on my Equifax and XXXX Reports. I have disputed it numerous times with ALL THREE XXXXredit Reporting Bureaus/Agencies , and with XXXX XXXX XXXX XXXX  XXXX but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Unauthorized XXXX  and XXXX XXXX and online 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 2023-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The mini van was purchased at {$11000.00} XXXX doubled payments before the start of payments after the purchase on XX/XX/XXXX ; was lied to about down payment at {$2000.00} then it went {$3200.00} ( red flags ) The mini van was paid in full and repossessed in XX/XX/XXXX XXXXWe sent a letter emailed and mailed letting them know that that mini van was paid in full and there was no response ; but sold it immediately then put on our credit report repossession as though we did not pay for my vehicle They sent a letter out knowing full well they were paid in full to the old address but they came to my new address and stole the vehicle that we paid for. The amount they paid someone to tow it from my new address in XX/XX/XXXX in the amount of {$2100.00} that is also on the 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 2023-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA

Complaint narrative:
Three transactions that were unauthorized, the bank has not put the money back into my account, taking longer than the amount of time allowed by law. The 3 claims are Claim Number : XXXX for {$30.00}, Claim Number : XXXX for {$21.00} and Claim Number : XXXX for 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 2023-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MI

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. 

Account name : # XXXX  XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2023-03-25 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I noticed an unauthorized charge of {$130.00} by XXXX XXXX on my Citizens Bank Credit Card Cash Back+. I immediately called the bank to report the fraud. The credit card was closed and I was issued a new credit card and was told the issue should be resolved within 2 billing cycles ( it has been more than 2 billing cycles with no resolution ). Since then, I have called numerous times for updates on the case and every single time, I have received conflicting information. For example, I have been told someone from the dispute department was going to reach out to me but no one has so far or that they can't find a record of the dispute or the dispute has been resubmitted to escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been with Wells Fargo for some time, but every single year I learn Wells Fargo is a repeat offender in overcharging and taking money. In 2020 they had to give me a check of over {$200.00} for their overcharging. Even now I had an issue depositing my money into my account when it went into XXXX and they offered a grave period which ended up still charging me. They rearranged my payments also in order to try and get my account deep into the negatives even though I had funds that covered my expenses. So the rearrangement ends up setting me into negatives.

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