vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Credit Acceptance, LLC
State: NM

Complaint narrative:
My current wife recieved a call on her cell phone from a restricted number asking about me. They informed her they were with the county service department and that they needed XXXX to call the civil lawsuit division of our county for more information regarding a lawsuit against the BOTH of us. the number they provided was XXXX and stated we needed to give them his name and they could provide court details. My wife then called me and the number they provided for the XXXX county civil division courthouse '' and it went to American credit acceptance line. My wife and I got married just over a year ago and this debt was from almost 10 years ago. I never provided them her information and I never gave them consent to call her. I was under the impression this was resolved and closed years ago. They stated that my wife and I were being sued for the " XXXX '' I purchased. I would like to reiterate I have not spoken to anyone regarding this in easily 7+ years. They pretended to be legal service departments with XXXX county and they were not. I am in the process of getting into the police department here and had all of my files pulled as well as went down to the courthouse to confirm none of what they said was true and at this point no lawsuit has been filed. They used aggressive collecting as a way to try to get my wife to pay something we do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: MA

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2022 XXXX XXXX  please remove fraudulent/ unauthorized inquiry on my report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Okay, Thanks for the reply and yes, I tried to contact the call number but they all referred to talk to upperhead. 
Now, as to reviewed your membership, or annual fee terms and conditions, There isnt any clause said, when can i not get a refund, or when can it be denied. 
However, terms and conditions has a long words. 
Now, as i remember of, I didn't out balnaced on its account. 
I did paid all on time, and it was maid on the school payment. 
Now, one other thing that flagged is that i put wrong bank account and It returned. Then i fixed my account and paid it all. 
Then, I kept call back and forth in your fraud department to fix this issues. 
I did three way conference calling with XXXX XXXX  more than three times as i remember of.

Now, when I did that, your service center call was hung up as it was more than 30-minute wait time. in which your service center care rep said, dont worry i will stay with you until i verify. 
This happened multiple times, then the call center now request the paper review, In which i even submitted to your system " while i was in vacation '' Thanks to that. 
In which it was promised to respond back within 5 business day, but capitalone failed to do so, and i called back to double check.

Then another paper was requested in which i couldnt handle that immediately.

Now, when i came back to my home, and i forgot that i had to respond. in which thats what my fault be.

However, i only receieved one mail, and there was nothing regards to the account closure.

So, I thought i can just take my time as i didnt have enough time.

Now, In this part, all i believe what i did wrong was not calling back when i received that mail. the first mail ever receieved since account restriction.

Even then, I tried all my best to resolve the situation, by wasting my millions of hours. waiting for bank conference calls, submitting papers for more than twice, and so on.

In which, I can not under stand that i cant get my annual fee at least.

Even in a partial refund where i couldnt used any of the service given under membership fees.

So, I am again to ask that, if full refund is not possible then at least the partial refund.

Moreover, i will keep try as best i could in order to get at least some part back since I couldnt used after aroudn 2weeks of recieving the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
First mail to collect account from XXXX notifications to XXXX XXXX for XXXX death.. 
Request XXXX  be closed.. XXXX requested equipment be-sent back.. received package to box up equipment.. Took the equipment to drop off XXXX near by.. Box would not completely enter in to drop box..Do not know what happened to the equipment after drop off.. 
Ordered XXXX XXXX XXXX of XXXX after closing XXXX XXXX account.. 
Never received a final bill from XXXX, just this debt collection notice..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX 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 Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-30 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: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

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 2022-06-30 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: MA

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comenity Bank issues cards foXXXX XXXX XXXX XXXX XXXX. For over a week, I've not been able to access online services. Information from the company is very limited, saying it was a " planned update '' and " scheduled maintenance ''. I've asked if they were hacked and they refuse to answer the question. I asked if they are a victim of ransomware and they refuse to answer. The early responses said account information was safe. That wording has disappeared from their subsequent messages. They said that calling the phone number would allow account access, however a recording says the call can not proceed, call back later, and then it disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX 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  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 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 2022-06-30 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX 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  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 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 2022-06-30 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-30 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX BANK SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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:
I sent a dispute letters to Experian, XXXX and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe Experian has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.

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 2022-06-30 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am writing to dispute a charge of [ {$900.00} ] to my credit account on XX/XX/2022. The charge is in error because the item was not delivered. PayPal has already closed this case in my favor and I need Synchrony Bank to credit my account. I did not authorize Synchrony bank to charge my account {$900.00} after I was refunded. 

I ordered the item on XXXX XXXX. The seller promised to deliver the item to me on XX/XX/XXXX with a signature request, but I never received my order. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of PayPals decision on the case, email proof of signature request, disputes filed with XXXX, cancellation of orders with XXXX and delay in refunds, these documents support my position and experience. 

Please correct the error on my account promptly. Also, I have received poor customer service from Synchrony bank were representatives have hung up the phone on me. 

Sincerely, XXXX XXXX Enclosures : PayPals case decision, Paypals buyer protection policy

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 2022-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems and XXXX have been provided the Identity Theft report regarding an account that was the result of ID Theft.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STATE OF XXXX DEPT OF AT Child Support XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$3200.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX STATE OF XXXX OFFICE CHI XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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 15 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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2020 Denied 'Personal Loan ' for 'Car Loan/Transportation ' Needed 'Vehicle/Transportation ' To Attend Veterans Medical Facility over XXXX XXXX Hours From XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I Have 3 credit cards that were opened up by someone else then me see letter of explanation

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 2022-06-30 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: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response. I have no contract with this company, nor have I been provided with any information with my signature staying I have agreed to do business with them.

Company response to consumer: Closed with explanation