vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: TN

Complaint narrative:
Inaccurate Data Reporting 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 2022-05-27 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: TN

Complaint narrative:
Misleading and Inaccurate information 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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
1.I have never had an account with this company CNACXXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC/IN101 the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$170.00} as well as another alleged amount of {$100.00} for a combined sum of {$270.00}. EASTERN ACCOUNT SYSTEM is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. EASTERN ACCOUNT SYSTEM it is a third party and has no standing to deny my claim. I am aware that EASTERN ACCOUNT SYSTEM can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold EASTERN ACCOUNT SYSTEM liable for these violations. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is in direct violation of 31 U.S. Code 3729 - False claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On the start of XXXX i paid XXXX then on XXXX I did the same XXXX ... on XXXX I arranged a payment date with them that I was going to pay my car a couple days late ... they agreed and came to pick it up saying I had 3 months without paying it and it was a lie They charge extra fees then they can't explain why. I choose not to get the car. They reported XXXX to my credit and they are just lying my ending balance was XXXX! This loan place does nothing but rob people out of there money they shouldn't be in business any longer and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AL

Complaint narrative:
delete the hard inquiries XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX please remove these inquires

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 2022-05-27 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: AL

Complaint narrative:
delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 

1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 
2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. 

I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. 
Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Hello, Please be advised, I have filed XXXX complaints against U.S AUTO FINANCE due to there being inconsistency with U.S AUTO FINANCE reporting incorrect information on my credit profile. U.S AUTO FINANCE is refusing to correct their incorrect inconsistency. 

1 ) U.S AUTO FINANCE is currently reporting on my credit reports that this account is " CLOSED '', which is correct and has been closed since XX/XX/2017. 

2 ) U.S AUTO FINANCE is currently reporting to my XXXX, XXXX credit report Payment Status : Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX and also states the account was late once but with XXXX is states the account has never been late which is true. this account has been settled and paid in full XX/XX/2017. 
Seems as though U.S AUTO FINANCE unsure as to what they want to document on my credit profile. 
I requested U.S AUTO FINANCE remove all " DEROGATORY, INCORRECT information from my credit report immediately. 
U.S AUTO FINANCE should not be reporting any incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens bank has completely destroyed my credit as a second chance bank and completely made me lose all faith in the fiduciary obligation responsibility they pretend to have, they have throttled my account I tried to fix this through the bank but they totally deny any wrong doing so I ask for a thorough investigation into my complaint please see documents for dates I WOULD RATHER LET THEIR WORD TALK FOR ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
OnXX/XX/XXXX the Social Security Administration wired a lump sum back payment of over {$12000.00} to my AMEX Serve card. I was told it would take 3-5 business days for the money to appear. Today is Day 6, and I don't have my funds. I've tried multiple times to reach out to AMEX, but their Contact Us numbers are recordings only. There is no way whatsoever to reach someone who I can speak with to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX. They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2022 I drove to the key bank I normally go to so that I could deposit four checks. There was a sign on the door that said temporarily closed however there were cars in the ATM lane that was on the rear of the building, a drive thru ATM machine. That was operating. There was no sign stating otherwise. 

I entered my card, selected deposit and placed all four checks into the ATM as usual without incidence. One of the checks apparently had a minor rip so the ATM stated one of the checks will be returned to you. I waited and waited.finally after 2-3 minutes the check came out. The screen then showed the picture of remaining three checks with green check marks next to it. I waited and waited. After 3-4 minutes, no receipt was given nor any confirmation on screen that the deposit was made successfully. 

Then the screen said return card? I hit it concerned I would never get my card back because it seemed something was wrong with the ATM. 

I waited again 3-4 minutes and finally my card was ejected.

I immediately signed in and checked the key bank website to see if the three checks were deposited. Nothing. 

I drove home and called the bank who then sent me to the Dispute claim line where I filed a claim. 12 days later I sign into my account to see if there was any update and I read case denied. I was livid. 

i phoned the dispute claim office who then sent me to fraud dept who told me that no checks were found in the ATM. And that I need to contact all three of the check insurers to tell them to stop payment on the checks. 

Im at a huge loss. Confused why the checks were not found in the ATM machine. Did they search the incorrect ATM and instead look in the one in the bank in the vestibule? I asked the fraud dept about this and now I am waiting to hear back. I am livid. I need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. My account in paypal is XXXX they limit it since XX/XX/2022, I can not use it for my online selling business. It has stucked funds and I have to withdrawn it asap so I can give the buyer his item. I had a transaction someone buys my product worth {$12.00} included with a fee of {$0.00} and then suddenly paypal limit my account.I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: SC

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

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer that approached me online and pressured me to invest in them. 

I lost XXXX USD. 

The funds were trasferred from crypto.com into the scam companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I have requested multiple times from XXXX XXXX for them to not only post what I owe on my patient portal so I can make payments but for them to also mail me a breakdown and non of this has occurred. I was also told that a supervisor would reach out to me to discuss why they can't post it to my portal and resolve this issue and that also never happened. I do not want to be in debt, like everyone else we are all struggling, HOWEVER, I have the right to know where my money goes and proof which is why I want it on my portal AND have the right to make payments which seems like that is not what they are willing to do. I also have the right to ask for the breakdown of what I am paying for which also seems like they are trying to avoid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
CHRYSLER CAPITAL In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IN

Complaint narrative:
My XXXX and XXXX XXXX.from a Litigation from XXXX, XXXX, I open a online Checking and Savings Account@ U.S. Bank on or about XXXX XXXX and I found out The Company signed me up for other Accounts without my consent.They ordered me checks and I wrote checks and they didn't let them pass on a 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