vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: OH

Complaint narrative:
They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake Credit Karma XXXX  my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of XXXX, they're still false advertising the same exact XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake XXXX XXXX XXXX my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of Experian, they're still false advertising the same exact 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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal has taken adverse action against me and has discriminated against me and closed my credit card account and also marked my consumer report as a closed account. I am asking Navy Federal to cease and desist all forms of communication including them reporting negative information onto my consumer report. Navy Federal has violated my federally protected rights and has violated my right to privacy Navy Federal can see my cease and desist letter in the attached form and remove the account completely from my consumer report as it is a form of communication per the Fair Debt Collection Practices Act.

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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XXXX I was made aware of a collections added to my credit report. The amount due is {$96.00} and the company was ARS. I wasn't made aware of this debt until it popped up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: MN

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX scam for the amount of {$2000.00} on XX/XX/28. Contacted bank and they refused to reverse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: PA

Complaint narrative:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: PA

Complaint narrative:
This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2022-09-10 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: MD

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Acct # XXXX XX/XX/2019 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 2022-09-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im disclosing all phone records speaking with XXXX XXXX from the beginning where rep advised to dispute with credit card company on XX/XX/XXXX and also escalation called where they advised that everything was ok and taking care of to be refunded. All calls was recorded and pulled by supervisor on XX/XX/XXXX and followed up call on XX/XX/XXXX to state that the calls was pulled and that they think the rep was new but would have it taking care of. XXXX from chase supervisor also putting in a request to have these phone calls pulled to back up claim that I would be refunded and there was no cancellation done on XXXX because I never spoke with anyone or have any emails or information included phone records from XXXX from my phone to back up claim. They denied credit again on XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Bought a vehicle at XXXX XXXX on XXXX XXXX XXXX XXXX a XXXX loan which got XXXX add to it plus the Lobel Financial Company in XXXX XXXX XXXX, they are local people who commit Fuard with other people and scaming consumer credit points, my account with invading my privacy as consumer citizen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with plus they fuardlu get me pull over almost every month for no reason XXXX XX/XX/2022. 
Put down a XXXX. 
XXXX payment XXXX Missed a payment in XXXX due car broken down XXXX car problems XXXX. XXXX second payment XXXX payment I made several complaints since the car broken due to app. Which cause the car thermostat explosion on and overheat and illegal internet hook in the truck vehicle which is why I surrender the vehicle.XXXX  call to complain Warranty which was Fuard and charge addition XXXX to loan, about how the car brakes, oil change and truck don't lock broken, tires need replacement. 
How there's a gps tracker and the bank or the dealer is putting my life in danger and sending people to stock me and harrass me and start problems Car had huge gas sucker XXXX in one day The car lights didn't work. The back brakes light kept going out. The car only came with push start no key to open door On XX/XX/XXXX tow yard pick up car and didn't wan to give any information about car They said XXXX will get the car so I went XXXX and tow yard and when I got to tow yard the car didn't start and once again the car was broken down N it was same problem as before I only had car 4 months headache This car got scratched the first month I bought then I experience no help with insurance company and made several complaint to insurance Nhow this ruin my reputable cause me trouble ruin my credit N causing problems The job and car loan and dealer. Are all in the same area and they all working against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened the account but never received a card or account information. I went into the branch in XXXX XXXX an was denied access to my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see XXXX saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: IA

Complaint narrative:
SCIL, INC., D/B/A SPEEDY CASH COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : * 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

* 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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

* 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 which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

The laws are very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA.

These are ALL grounds for REMOVAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank sent me a notice on XX/XX/23 saying that my account was in the negative however on my ledger I had {$700.00} in the account they claim they paid online fees, charges rather because I did not have enough money to cover. That is not true. On a second statement they sent me I had plenty of money now they are holding my credits and put a hold on my account and refused to issue the credit to my account and claim that I am minus {$500.00}. This is not possible because three days later I checked out money from the ATM in it for {$120.00} which I wouldnt of been able to do if I did not have the money in the account. They refuse to give me the money that is owed to me in my account and they closed it. I will be contacting XXXX XXXX XXXX  however would like this documented with your company please contact them because theyre saying the dispute will be 90 days and it plain as day to see that that overage on my account is not possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: FL

Complaint narrative:
Back in XXXX XXXX XXXX XXXX  and was not able 2 pay so they changed me all dis fees n I was out work fa XXXX XXXX I'm just go XXXX to work XX/XX/XXXX plus they put a bad mark on my credit report Ra late payments 60 days late I never miss a payment I been with them fa 4 years and they can't work with me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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:
To whom it may concern I have recently been informed that there is a negative information reported by United States Bankruptcy Court, in the file they maintain under my social security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX  XXXX & XXXX XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. they all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to the United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies '' I am just a little confused why the credit reporting agencies lied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Previously approved for charges and sent a notice of denial and requested to re open on XXXXXXXX XXXX XXXX XXXXXX/XX/2002 yet no response yet

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