vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an alert that a hard inquiry was done for my credit by capital one on XX/XX/22. I do not have any credit with capital one and did not request anything from them. I contacted them to find out why there was a hard inquiry and what to do and they did not help me and said I didnt have an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got scammed by the company I worked for as a personal assistant. They asked me to make transfer from my credit card to cryptocurrency and they could reimburse this amount but all the transactions that they made had been returned or reversed. And now I have credit card debt because of company.

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 2022-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with Credit Acceptance. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. Credit Acceptance agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from Credit Acceptance. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with Credit Acceptance and nothing was done. I also filled a dispute with the Attorney General office and they said since Credit Acceptance didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my 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 2022-07-14 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: FL

Complaint narrative:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

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 2022-07-14 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: FL

Complaint narrative:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
On XX/XX/2022 I received a call from Source Receivables Management about an alleged debt to XXXX. I verified my identity with the agent. I advised that I had an updated address which I provided, then I advised them that any communications going forward needed to be in writing only and that they were welcome to send me relevant documents so that I could determine if the debt was in fact mine. On XX/XX/2022 Source Receivables Management called me again. The agent told me that if I didn't pay the debt that it would be reported to credit agencies. I stated again that I was only to be contacted in writing and that I needed to examine the evidence. The agent stated that 3 previous companies had attempted to collect the debt and if I was unable to determine with them that the debt was mine that there was little chance of me getting new information. The agent was rude and demeaning. I called the agency back and spoke with XXXX who again attempted to get me to make a payment. She stated that the company was aware of my request to be contacted in writing only, and that a letter was sent to me on XX/XX/2022, but likely was not received yet. As of this writing their letter has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NY

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

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.

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 2022-07-14 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: NY

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

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.

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 2022-07-14 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: TX

Complaint narrative:
In accordance the Fair Credit Report 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. 

1. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 2. XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) 3. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 4. XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) 5. XXXX  XXXXXXXX XXXX  ACCOUNT # XXXX ( XXXX ) ( XXXX ) 6.XXXX XXXXXXXX  ACCOUNT # XXXX ( XXXX ) 7. XXXX ACCOUNT # 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 2022-07-14 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: TX

Complaint narrative:
In accordance the Fair Credit Report 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a text alert from what appeared to be Wells Fargo Bank on XX/XX/XXXX, concerning my account being exposed to fraud ; requesting my validating some account info. My cellphone was hacked in the early morning of XX/XX/XXXX. The perpetrator got access to my bank information/debit card, and was able to illegally withdraw {$1000.00} at an Arizona ATM XXXX followed by {$150.00} XXXX  transfer, along with four high dollar value, instore purchases, using my debit card information, in a 'digital wallet ' format at a XXXX in Arizona, for over {$3000.00} in purchases, on the same day. As well as other multiple transactions at various retailers in both Arizona and California, within a matter of a few hours of confiscating my account information. 

I called Wells Fargo immediately after regaining access to my cellphone, and found out that my account balance went from {$4200.00} to {$0.00}. I filed a fraud claim, that was denied on XXXX. I received two letters from Wells Fargo, dated XXXX ; one stated that the claim was denied, due to none of the transactions, never happened. The second letter stated that the claim was denied, because, either I processed all those transactions in Arizona and California, or I gave someone permission. 

I filed a complaint with Wells Fargo, on how my fraud claim was handled. I'm currently awaiting their response.

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 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-14 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: TX

Complaint narrative:
In accordance the Fair Credit Report 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern I XXXX XXXX sent a certified letter to XXXX in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that XXXX fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.

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 2022-07-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I want to close my Ikea comenity account, my children 's place account and my comenity Visa credit card that got hacked into last month! As I no longer want to do business with comenity! I have called dozens of times to close my accounts but can't get anyone on the phone because comenity has been comprised by hackers and they completely shut down their phone lines! Theres no way to access this bank!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: Franklin Collection Service, Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: IL

Complaint narrative:
Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX  Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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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 2022-07-14 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:
Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2022 I maintain a Citibank - checking, savings and credit card account. The information, address, on my account is wrong. I call Citibank to remedy the incorrect address and all calls are routed to XXXX and the representative consistently speak very poor XXXX. It is difficult to communicate with the service representative. When communicating banking account information and problems with an account, it is difficult to communicate with the Citibank representative and the potential for banking error is high. I have been told that Citibank representative in XXXX are unable to transfer my call to a representative who speaks XXXX sufficiently well to transact or remedy problems. Can you require Citibank to have XXXX speaking representatives answer the call as it is very difficult to interact with non XXXX speakers.

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 2022-07-14 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: MD

Complaint narrative:
I thrice requested ( via posted letter and the company 's web-portal ) Equifax remove incorrect residential address information from my credit report and replace that incorrect information with correct information. Since none of the residential addresses on the credit report are correct I requested Equifax DELETE ALL OF THOSE ADDRESSES and replace the deleted information with complete, correct, unambiguous residential address information provided by me via the submitted disputes. Equifax did request details regarding the specific address errors, and that information was also provided via the aforementioned posted letter which was also provided to Equifax in at least one of the two disputes filed via the Equifax web-portal. That same complete, correct, unambiguous residential address information was also provided to the CFPB for shareing with Equifax, who apparently ignored the information given Equifax 's response- which was to take no corrective action whatsoever though the company was spoon-fed the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Contacted XXXX on XX/XX/2022, they put one year fraud alert on my account. 

Contacted Bank of America on XX/XX/2022, they canceled fraudulent credit card.

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