vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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 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 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 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 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 2022-08-11 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:
n accordance with the Fair Credit Reporting act XXXX 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 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been informed that Experian does not have my credit history and that I will not be approved for a personal loan. Credit cards and other lenders are not disclosing my credit history, according to Experian. Since my credit history with XXXX and XXXX includes credit cards, mortgages, auto loans, and personal loans, this doesn't make sense to me. Since1990, I have had credit without any problems. Experian requested that I phone each of my creditors to ask that they send credit history to Experian. However, they have not given a justification for why this is taking place, and I am unable to get any responses. Furthermore, Experian only permits disputing inaccurate information, fraud, and personal information ; but, since I lack a credit history not the fault of my own, I am unable to dispute the absence of credit history. Although creditors claim to be delivering credit histories, no one seems to be taking responsibility for resolving issues regarding the absence of credit reporting. Do I have a legal right to a credit history at each of the threXXXX bureaus?

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 2022-08-12 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 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX  XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # 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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Pursuant to 15 U.S.C 1692g I have requested validation of debt on XX/XX/2022, certified mail with a green return receipt and on XX/XX/2022 I received correspondence back with what supposed to be validation that I owed Midland Bank an alleged debt. I only received a contract and statements in their response to my request. However Pursuant to 15 U.S.C 1692g ( a ) ( 4 ) Midland Bank did not satisfy the minimum requirements for a valid request. The information provide does not consist with the list of things congress said should be provide to a consumer to validate any alleged debt. Midland is attempting to collect on a debt without sufficient evidence that this alleged debt is owed to them by me, and in attempting to collect this alleged debt they have violated my rights as a federally protected consumer Under the FDCPA as well as the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has incorrectly charged overdraft fees on transactions that should never have been overdrawn. I have been experiencing issues with TD Bank regarding excessive and illegal overdrafts and non-sufficient fees since XX/XX/2022. As of XX/XX/XXXX, I had an illegal overdraft fee of {$240.00}. In an effort to reverse the fees, I have been in constant contact with TD Bank. As a result, I requested that the account be closed since I would not be making any further deposits or transactions to the TD account. I reviewed the account on XX/XX/2022, to determine whether the fee had been reversed and discovered four unauthorized XXXX transactions. I contacted XXXX and they addressed the issue. They also notified TD Bank of the unauthorized transactions on XX/XX/2022. As a result, TD continues to impose non-sufficient funds and overdraft fees for the same transactions from XX/XX/XXXX to XX/XX/2022. According to my bank statement dated XX/XX/2022, I have a total amount of {$590.00} in overdraft fees. 

I contacted TD Bank by phone and through their message portal. I received the same generic response from them, which indicates that they have no intention of helping. Even though I requested that my account be closed, they ignored my request. 

In support of all my claims, I have sufficient documentation when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NV

Complaint narrative:
I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been paying my credit card. I'm receiving emails stating the payments have been posted, money is taken already from my bank account. XX/XX/2022 I paid {$4200.00}. XX/XX/2022 I paid {$3700.00}. However I am not receiving the credit back for use. I just received my XX/XX/2022 statement and on the paper statement it even shows I have {$6900.00} in available credit but on the website clearly it shows they are refusing the release that credit for me to use for over 2 weeks now. If the credit is not available to use they should not be allowed to on paper show it as available but not actually let me use it. I have talked to multiple customer service agents over phone and online chat and they tell me the same thing. They can't do anything about it, that the payment is on hold however they have no answer to why it is documented and on paper as available but they refuse to release and let me use the credit as shown and provided by their own documents. Everything is very deceptive and I don't know what is going on.

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 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2022 Bank of America reversed the temporary credit in the amount of {$410.00} without providing me advance notice. I disputed this charge by XXXX as they did a poor job with my vehicle. I paid over {$2000.00} for paint and bodywork that took them over 60 days to complete. I attempted to pick up my vehicle on three occasions but had to leave it for further work to be completed. The last time that I went to pick up the vehicle I ran out of gas two blocks away from XXXX. After I got assistance with getting the vehicle to a service station and headed home the bumper fell off of the vehicle. 

After BOA reversed the credit I called to speak with them and asked why did they reverse the credit. They advised that they denied my claim as they spoke with XXXX and that I had the work completed. I asked them why didn't they contact me. I did not dispute the charge as work was not completed I disputed the charge because of the quality of work. 

I paid over {$2000.00} total I am only disputing the {$410.00} which is reasonable for my time wasting coming to get the vehicle and it not being ready, running out of fuel which could potentially ruin my fuel pump, and having to have someone secure the bumper. 

I am very disappointed with the way BOA handled my claim. I feel that they provided the temp credit because they are required to do so but had no intention of investigating my claim.

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 2022-08-12 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 with the Fair Credit Reporting act XXXX XXXX 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 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 2022-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This is a student loan from XXXX that was placed in deferment several times before being " Paid in full '' in XXXX. 

My XX/XX/XXXX credit report incorrectly shows several late payments for this student loan when they were in deferment. 

My credit report also shows the Dept Of Education/ Aidvant account listed ( 5 ) five times under different account numbers. I only had one student loan and it was paid off as agreed. There should not be 5 accounts reported to my credit profile for 1 student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
It is our belief that our mortgage with XXXX Bank and Old National Bank is based on fraud. I have attached documents to support our claim. The following is a breakdown of our complaint : List of events Pertaining to a loan of XXXX and XXXX XXXX XX/XX/2009 a Note is signed with XXXX, XX/XX/2009 a Mortgage is signed with XXXX Bank Mortgage dated XX/XX/2009 is recorded into the records of the XXXX XXXX XXXX of Deeds on XX/XX/2009. The purpose of the recordation is to memorialize the sale of the property thru the Note which evidences the debt and the Mortgage is which attaches itself to the intangible obligation evidenced by the debt Shortly after signing, an interest of the loan was sold to XXXX XXXX. The interest that was sold to the trust was the intangible obligation ( the debt ). 
There is No indorsement on the Note in which one would acquire rights to the Note. 
There is an incomplete stamping on the Note which has released the right to the Note without recourse to an as of yet unnamed payee. 
There is no Assignment to XXXX XXXX With XXXX releasing its rights to an as of yet unnamed payee, without recourse, no one will acquire rights to the XXXX Note without being named to the Note The claim that the XXXX loan is a secured loan is unsupported with any factual evidence.The claim that the incomplete stamping is a Blank Endorsement is a XXXX claim as they are attempting to make you thing that right are thru some other means other than XXXX. XXXX to acquire rights to a negotiable instrument.

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 2022-08-12 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: NV

Complaint narrative:
I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 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 2022-08-12 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: NV

Complaint narrative:
I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 with the Fair Credit Reporting actI XXXX 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 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 2022-08-12 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: IN

Complaint narrative:
See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )

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