vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XXXX someone fraudulently used my credit and make a hard inquiry for TD bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Lenders Name : American Credit Acceptance APR is consistently 22 %, Since 4 years ago ; When my Credit score have increase since then. 
I tried to work out something that could help me pay loan down, but it is not allowed. There Policy says that they can repo my car within 3 to 6 months of past due payments but they manage to repo the car within 2 months behind. 
I would of thought they would refinance my loan after a year or two but i guess i have to let them know to refinance. 
I complain how i had to do repairs on the vehicle which lead for me to be behind on the loan. I have receipts that will prove that i put in double cost of repairs then what i need to make a payment. I tried to get rid of the vehicle because it was a lemon when i start driving it within the first month. 
In the past, i had representatives that told me wrong information about where my vehicle was when it was time to repossess my vehicle. The representative had me go 3 hours out of where i live to pick up my vehicle, just to find out it wasn't there. It seem like they didn't want to hold themselves accountable for what they put me through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX  } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, 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 2023-07-09 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX : Account number XXXX 2. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 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 2023-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I dispute these accounts out my credit and they were reinserted. I ask these to reinvestigated and send me a reply in 15 days and i never heard back.

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 2023-07-09 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: AZ

Complaint narrative:
addresses and personal information on my credit profile is not accurate or correct

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 2023-07-09 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:
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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 2023-07-09 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:
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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 non-monetary relief
Consumer complaint received 2023-07-09 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 canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received an email saying that I was approved for an account that I didnt Apply for. I card was supposed to be sent to my old address but because I have the mail forwarded ; the card was sent to my current address. I have no knowledge of this account.

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 2023-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 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 2023-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: DISCOVER BANK
State: MN

Complaint narrative:
I purchased an item that was not delivered, contacted both the merchants and my credict card company to resolve the issue. 

The problem of the order was that it was not delivered and the order was an expensive amount that I did not even give a signature to. I tried resolving this issue with the merchant first, then my credit card company with disputes but the resolution was not in my favor even though I have literally no other way to prove that it was not delivered, there was no signature for the package. The price of the package was {$1000.00}, the merchant was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I make timely payments only to be charged late fees and assessed more interest on my account. I contacted them and they responded advising me to pay at their local store. 
XX/XX/2023 XXXX XXXX OH {$91.00} XX/XX/2023 PAYMENT - THANK YOU - {$300.00} XX/XX/2023 XXXX XXXX OH {$28.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$270.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 PAYMENT - THANK YOU - {$100.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 XXXX XXXX OH {$42.00} XX/XX/2023 XXXX  XXXX OH CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: Veros Credit, LLC
State: TX

Complaint narrative:
Someon have commented inquirys along with fraud on my account and want justice from my pain & suffering + headache.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I dispute these accounts out my credit and they were reinserted. I ask these to reinvestigated and send me a reply in 15 days and i never heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: LA

Complaint narrative:
I have fraudulent inquires on my credit reports.

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 2023-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accscient, LLC
State: FL

Complaint narrative:
I have reached out this company countless times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accurate personal information refuse to remove unknow addresses and unknown persons,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: LA

Complaint narrative:
I have fraudulent inquires on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a 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 ACCOUNT NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had 2 credit cards for citi Bank. The one balance was an amount under XXXX. The other credit card had a larger balance of around XXXX. A portion of the card with the larger amount was going to start charging me interest so I did a balance to XXXX. It was around XXXX. During the balance transfer process there were fraudulent charges on that citi card so that card number changed and I got a new card. Once the balance transfer was paid by XXXX XXXXXXXX added the XXXX to the credit card with the balance under XXXX which then made that account over paid. Ever since XXXX I have chatted, talked to them over 12 times. They keep moving money, fees, and payments all over the place between the cards. They have my accounts a complete mess and can not fix this. I am beyond frustrated and I don't know where to turn. I am so upset. This is my money they are playing with. Adding and subtracting amounts and everything else. I am a good paying customer with good credit. I'm to the point they better fix this or I'm not paying it. It's not right what they have done. At this point they should have to pay for this mess they have created. I didnot mess the balance transfer up to begin with. This was not my fault at all and now I am the one who is suffering. They keep making it worse and worse. Please help... please

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 2023-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have 90 charges on my credit card and I have not received any statement for 3 months. I have not received any information about the changes. I NEVER received documents to dispute charges that were not authorized

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