vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have 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 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 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 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
attached to every monthly billing statement is a payable coupon. If filled out correctly and signed by law it is considered a negotiable instrument. I submitted my remittance payment and was told it wasn't accepted for value and that I have to submit cash which is fraud and coerecsion. According to XXXX XXXX and emergency billing act the remittance is completely legal and should be accepted for value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: eCon Credit LP
State: TX

Complaint narrative:
Nationwide XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 Closed late payments reported XX/XX/2019 XXXX XXXX XXXX 15 USC 1681a the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; I am a consumer as defined under 15 USC 1602 ( i ) The adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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:
n accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXXXXXX XXXX XXXX XXXX Acct # 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

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I deposited a cashier 's check that was made by XXXX on XX/XX/XXXX into my business 's checking account at XXXX Bank in XXXX XXXX PA, in person. The amount was over $ XXXX. In addition, to that same transaction I deposited $ XXXX in cash. After doing so XXXX Bank froze my WHOLE account, even the cash portion, claiming the reason was for the large amount on the cashier 's check. After disputing with them in person for two days they would only give me the cash portion when I came to the bank 's branch but would not remove the account freeze. On the 5th business day ( XX/XX/XXXX ) the said cashier 's check cleared but they still would not remove the account freeze, nor give me a reason for the continued account freeze. 

They have no legitimate reason for placing my account on hold for more than 2 business days ; in addition to violating 12 CFR 229.10 ( c ) ( 1 ) ( v ). Due to their arbitrary ( and now blatant ) actions they have in fact demostrated their discrimation against me for what I can only come to a conclusion of malice reasoning. As of XX/XX/XXXX my account is still frozen and causing me great harm.

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 2022-12-04 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: T.S. Holdings
State: GA

Complaint narrative:
XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions. 

The company only offer a settlement which is adding insult to injury for a debt that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Card was applied for and open in late XXXX after going through some verification steps. I had to email documents ( copy of SS Card, Driver 's License, Bank Statement ) and go through some verification over phone. All docs sent were what the agent told me to send. Card came in the mail, it was activated however card is unable to be used. Online phone system says " card was closed '' and agent on phone said " card was closed ''. I need an explanation as to why they said card was approved and then subsequently closed on same day? This has adverse effects on my credit as now I already took the hard credit inquiry and now you will put an account on my credit report in bad standing/ only open for one day which will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to file this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This collection found within my credit report are not related to any transaction that i made i am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX I transferred miles to another XXXX XXXX account. I was charged {$300.00} x 3 for each transfer when I was told {$30.00} charge for each transfer. Ive spoken with over 20 representatives with both American Express and XXXX. I have been hung up on on several occasions by both regular customer service representatives and supervisors. One charge of {$300.00} was credited however I am still waiting for the other refund of {$600.00}. I have opened a dispute with American Express and forwarded supporting documents. The dispute case has been closed and on XX/XX/XXXX I spoken with several representatives who also hung up on me. Dispute # XXXX opened on XX/XX/XXXX, XX/XX/XXXX spoke with supervisor, XXXX from Disputes Representative re-opened the investigation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX DEPARTMENT XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # 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

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 2022-12-04 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX Bank Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have 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 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have 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 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I was sent an unsolicited Wells Fargo XXXX credit card in XX/XX/2022. I have never had a bank account, loan or credit card with Wells Fargo. I most certainly didnt apply for any credit card or their new product XXXX XXXX 

When I called Wells Fargo to inquire they wouldnt help me unless I provided extensive personal information. They basically called me a liar when I said I never applied for and didnt want a XXXX credit card. I called numerous times and each time the customer service reps were rude and aggressive. 

I also tried to report it to Wells Fargo fraud department but they said it wasnt fraud. 

Some years ago I did inherit a portion of my Dads IRA which I transferred to my own account within 30 days. So I assume they had all my personal information and opened the card using that information. 

On XX/XX/2022 I received a letter from Wells Fargo stating unusual activity and that my account had been placed on hold. The credit card bill showed previous balance, purchases and new balance all at XXXX ( zero ). The interest rate was 25.74 %. 

On XX/XX/2022 I received a notice that my credit card account had been closed. 

My biggest concern is that Wells Fargo used my personal information and ( excellent ) credit score to fraudulently open an account in my name.

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 2022-12-04 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: AR

Complaint narrative:
I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and this is my third attempt trying to obtain my consumer file and report from Equifax. I have uploaded a screenshot of the last attempt. Im using the CFCP in hopes of obtaining my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Please update and remove these accounts immediately! 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. I am not affiliated with the following addresses. Please remove from my credit report immediately. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer is XXXX. Please remove XXXX XXXX XXXX XXXX. 

Per 15 U.S. Code 1681B, 1681C-1, and 1681C-2, the following collection accounts are violations of the Fair Credit Reporting Act. Please remove the following collection accounts. immediately. 
- DPT EDXXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) o These loans are showing 90 days late and greater. However, the previous month are on-time payments. Please remove these accounts since it is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX but 30 days late on XXXX and XXXX. Please remove. 
- XXXX ( XXXX ) o Please remove all late payments. I have never made a late payment on this account. 
- XXXX XXXX ( XXXX ) o The payment history data is incorrect. It shows on-time payments on XXXX XXXX XXXX but 30/60 days late on XXXX. Please remove. 
- XXXX ( XXXX ) o It shows on-time payments on XXXX and late payments on XXXX. I have always made on-time payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g

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