vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I got in my car to go run errands and prepare to go to work and my car wouldn't start due to a kill switch. I purchased my XXXX XXXX XXXX last XXXX of VIN # XXXX at US Auto Sales at the XXXX branch on XXXX XXXX on XXXX XXXX. 
Ever since my purchase i've experienced multiple problems with their payment system & reps. The system continuously says " IT DOESN'T RECOGNIZE MY INFO '' even causing me to pay late because the system wont allow me to move forward to make a payment. I can not use my phone during work hours which renders me relegated to the after hours or online portal which has given me problems as well. I called all the associated numbers to no avail ( XXXX ) XXXX, XXXX spoke to sales rep XXXX XXXX who answered the phone giving the name XXXX, i recognized his voice and addressed him accordingly & manager XXXX who presented a number as corporate with a live rep yet was a recording, as well as the " XXXX XXXX' system ( XXXX ) XXXX spoke with a rep who acknowledges my note as paid fully yet says I don't know why they didn't update your account i don't know what to tell you '' instructing me to wait until Monday morning at XXXX XXXX. when i must be at work XXXX and have my child at school prior to that. 

This constitutes a violation of my sales contract and agreement, my consumer right under F.C.R.A. as well as constitutes a DE-FACTO REPOSSESSION. 

I have net all the obligations of my sales agreement yet they ARBITRARILY grant access to my vehicle rendering me incapable of enjoying the unrestricted use of my vehicle as dually agreed upon and bound under the provisions of my sales contract. i know this is common practice for them as i've had the unfortunate awareness after speaking to quite a few people who have experienced this and worse due to their shady business practices. 

I want the system corrected to prevent this type of incident in the future, i want the XXXX XXXX XXXX  REMOVED FROM MY VEHICLE IMMEDIATELY BY XX/XX/XXXX AS IT CONSTITUTES A VIOLATION OF MY RIGHTS under F.C.R.A. AND IS A DE-FACTO REPOSSESSION, and i want to be COMPENSATED the equivalent of XXXX  monthly payments credited to my account in the amount of {$490.00} for the months of XX/XX/XXXX and XX/XX/XXXX. I also want a full letter from US Auto sales acknowledging its wrongdoing in killing my starter/ignition on my car with an apology and payment/credit for XXXX  months car note to my account paid immediately. 

My confirmation numbers for my payments are XXXX for {$300.00}, XXXX for {$130.00} and ** XXXX for {$68.00}. I will attach a photo of the payment confirmation sent from U.S.Auto servicing as proof. as well as my current screen showing next payment due and date due establishing me as current on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: LA

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 Background checks 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 2023-01-28 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: OR

Complaint narrative:
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX Cc : FTC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: OR

Complaint narrative:
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX : FTC 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 2023-01-28 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my Vespa on NJ XXXX in XXXX XXXX, XXXX  when I hit a pothole that was negligently maintained by the state of XXXX. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of XXXX  is liable for my injuries, as they were caused by a pothole on a XXXX XXXX that was not properly maintained. I have already contacted the state of XXXX  to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of XXXX. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and XXXX result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of XXXX, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/27 I noticed two charges on my cash app, one for {$92.00} and one for {$8.00}, both going to a vendor named " Photography. '' ( from XXXX XXXX, CA - a place I've never been ) That was literally the name of the vendor. Obviously these charges are fraudulent. I did not authorize them. Cash app refuses to issue me a chargeback. I've contacted support and attempted escalation and still have not recovered my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
this account was already removed from my report almost XXXX  years ago and now its popped back up and i dont understand why. when this was settled XXXX yeras ago if not longer.

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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim about my ui benefits being stolen and BOA has done nothing. I was told that I should have filed a claim in XXXX  when it first happened. I tried to file a claim then I didn't even have the option. I went to the branch and they told me I had to take the issue up with the XXXX  XXXX which was impossible at the time. I tried the whole calling over and over for hours but got hung up on or the message stating they were unable to take my call just like I did when I tried to call bofa about my money. My account was hijacked. I was certifying through the mail randomly whenever I got the certification forms in the mail ehich was clustered and never consistently. Now that I'm finally in my XXXX account again I see that they did receive my certifications by mail but the benefits were issued from certifications done online. I never got my ui account number in the mail like they said. I never got any of my money. Why was someone else able to get my money but not me. A lot of things make sense now. The address was changed from my house to some place in XXXX. Why is the bofa still investigating buy not giving me a provisional credit?

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
I received a debt collection notice for a medical debt which was inappropriately sent to collection. XXXX XXXX mistakenly did not bill my insurance, and I called every month to correct their mistake. I even had a three way conference call with both the insurance company and the billing office, and they all assured me it was taken care of. After this, the debt was sent to collection, I assume because their repeated mistake took them out of the window of time where they were allowed to submit a claim. 

I contacted the debt collection agency and explained this situation and received no response, but further calls requesting I pay. I should not be required to pay for XXXX XXXXXXXX XXXX mistake, after also paying my insurance premiums. It became increasingly clear that they had no intention of fixing their mistake. It is also clear that this debt collection agency is attempting to collect inappropriately, after receiving this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: OR

Complaint narrative:
I have reported multiple times to XXXX, Equifax and XXXX credit report Agencies about being a Victim of Identity Theft. 
I have prove to them that there has been some accounts opened fraudulently like Account name : XXXX  XXXX. Account number : # XXXX. 
I have requested several time this account to be investigated and the response have been always the same " this account has been verify '' I have requested the same investigation to XXXX  XXXX THE CREDITOR HOLDER OF THIS ACCOUNT in multiple time this creditor has affirmed they can not fulfil investigation in this issue since they do not have information about me being liable for this account Honoring 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

so mi question is how the credit bureaus has information about XXXX account that not even the furnisher says having information about? 
XXXX, Equifax and XXXX XXXX XXXX XXXX has violated my consumer right under 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is not capable to verify this information because they do not have 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX, Equifax and XXXX XXXX XXXX XXXX has Violated my consumer right under 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 since XXXXXXXX XXXXXXXX HAS EXPRESED IN WRITTING they " do not have enough information to conduct an investigation '' taking into consideration that I am not LIABLE for account name XXXX XXXX with number : # XXXX I demand from XXXX, Equifax and XXXX XXXX XXXX XXXX to deleted this account from my credit file since they are furnishing FALSE information violating all my right under the FAIR CREDIT REPORTING ACT and specific under15 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.

I request the cfpb be review that my right does not continue violated and that the responsible do not take the law for granted and for once do what is right deleted this account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
My payment was due on XX/XX/XXXX I made a payment at XXXX and they are telling me that I need to Make the payment before XXXX But on the Credit Card agreement is there is no mention of this that have stated that it is printed on the statement. 

They refused to remove the Late Charge and I asked them Lane Bryant ( Comenity Bank ) to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
As a customer of Regions Bank I have been discriminated against and treated as a criminal with my account and or funds being hijacked and withheld without just cause. I have been denied and threatened with police force several times while visiting the bank in an attempt to withdraw my funds. I have been traumatized and my dormant XXXX has been triggered and aggravated as a result of my life being threatened. 

XXXX a XXXX XXXX XXXX XXXX veteran. 

My accounts have been manipulated and flagged to treat me a fraudster instead of a customer. I have been denied access to withdraw my funds, debit card charge denials, and online services such as XXXX has been maliciously and frequently interrupted which has caused me personal and business conflicts to send money to family and friends and business relationships and or investments.

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my XXXX on NJ XXXX in XXXX XXXX, NJ when I hit a pothole that was negligently maintained by the state of NJ. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of NJ is liable for my injuries, as they were caused by a pothole on a state road that was not properly maintained. I have already contacted the state of NJ to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of NJ. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and may result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of NJ, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-28 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: LA

Complaint narrative:
TransUnion Consumer Solutions, XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

To whom it may concern : I received a copy of my TransUnion credit report, and I noticed some late payments on my credit report : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

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