vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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 accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : 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 2023-02-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX XXXX : XXXX - {$54000.00} XXXX EQUIFAX - {$54000.00} XXXX - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mitsubishi Motors North America, Inc.
State: IL

Complaint narrative:
I was sent mail from mitsubishi that i had won {$1000.00} dollars. at XXXX on XX/XX/XXXX on the phone, They told if I am came in that they would redeem the ticket. when i got there at XXXX they said that they were no longer honoring it and tricked me into their sales floor. they were rude and inferred it was common practice to use deceptive mailers. 

the mailer even said no gimmicks. 
the phone guy said they would redeem then they acted like i was the XXXX  and said they sent out XXXX winners but only had to pay out XXXX. 

they really were happy at how deceptive it was.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
{$5.00} debit charges on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from checking account with a pending transaction on XX/XX/XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX is indicated as the payee. XXXX has confirmed by voicemail to me that no charges were initiated by them. This was conveyed to my bank, Citibank and upon their investigation declared the charges valid. No proof was offered. 3 charges were temporarily rescinded, but now Citibank is rescinding the return. I explained to Citibank that previously I had an account that paid utility bills with the name XXXX XXXX phone # XXXX XXXX XXXX, but it was terminated in XX/XX/XXXX. Citibank continues to charge {$5.00} each month

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 2023-02-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
The attorney Hiday and Rickey out of XXXX Florida keep writing me via mail after I asked them not to call or write me. They are asking for financial information, private information to garnish my wages and that is harassment. We have already went to court about this debt and they are still harassing me. They sent me a letter last week Thursday XXXX XXXX2023 with a letter to garnish my wages. I feel very bothered, that they keep finding my address and wrong me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
I attained a copy of my credit report and simply asked the credit bureaus and or consumer reporting agencies to check and make sure every single detail was completely accurate and although i'm no lawyer, according to 15 usc 1681i ( 5 ) EVERYTHING MUST BE 100 % ACCURATE! 

30 DAYS CAME AND WENT AND I RECIEVED MY CREDIT REPORT JUST TO SEE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES which is Experian and they did not modify or remove anything. 

The Date Last Active is NOT correct on all 3 credit reports ..... 

This is a violation and is it's actually costing the ability to get approved for credit and that is simply not fair! 

Experian has violated my 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 2023-02-15 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been through soooo many attempts on-line, telephone... 
It won't accept my address even though I received a link today. 
I've been trying to lift a freeze which I put there but they don't seem to recognize me. Even the questions they give make no sense to me. It's as though they are looking for someone else. 
Very frustrated. Just want to open a XXXX w/ my new bank. Plz help unravel their nonsense

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX several XXXX transfers came from my saving account to people I do not know, as well as fake checks and wire transfers. This also happened on XX/XX/XXXX. My bank, USAA never informed me of this and had my account under investigation and finalized the investigation on XXXX XXXX on XXXX XXXX I called USAA as I couldnt seem to use my checking debt card and was informed of everything that had happened. I have been with this bank for 15 years, this is completely out of my banking character and dont even use XXXX . When asked how this happened they said it came from my device which is impossible as I know I didnt do it. Now all my accounts are frozen even though none of my accounts are negative and I need to wait 60 days because they and no longer doing business with me. My checking was a joint account so my husband and mine paychecks we cant access to pay our bills or fees out kids and the bank says there nothing they can do about it. So im a victim of fraud, Im out about 5k stolen from me and now cant pay my bills or feed my kids. How can someone who has been with this company for 15 years, military do this and be allowed to get away with it. I didnt nor would I chase fake check and send them to people all in one day? Idk even know who those people are. Or how it can be proven that it was done from my device cuz I have my phone and know for a FACT I didnt do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TrueAccord emailed me violating 15 USC 1692c, and disclosed my own personal very private nonpublic information. TrueAccord in connection with XXXX XXXX  is attempting to extort my extension of credit. TrueAccord refused to disclosed the amount or value they exchanged with XXXX XXXX  in connection with this extortion and I am filing an aggravated Identity Theft report with the FTC and my local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: GA

Complaint narrative:
After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). 

Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. 

Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Back in XXXX, 2022, I enrolled in automatic payments for my BJs Mastercard Credit Card, using my debit card. The payments never go through and I am, every single month, charged with a late fee of {$41.00}. They apologized and stated that payment was going to be deducted the next month, but it never happened. They dont waive the late fees and today, after the 4th call I have made about the issue, they told me that they dont have automatic payments, and that I had to do it myself online every month. I find that practice abusive and discriminatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that they think they can trick and collect money from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity bank charged me interest after I paid my statement amount in full. Payment was made and received prior to the payment due date. I spoke to the customer service call center on XX/XX/XXXX, was told they could not remove the charge because I had emailed the card company through the website. I was then told if I did not pay the {$2.00}, I would be charged a late fee. I called again XX/XX/XXXX and was told my account had not been paid in full and I owed the interest and would be assessed a late charge. I told the girl I was not paying a late charge and wanted the account closed. she then wanted to charge a fee to process the payment by phone. I refused and said I would pay online and to close the account as I was not paying them another cent. This bank is the only one Ive ever dealt with that charges interest after you have paid the statement balance due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX- {$180000.00} has been charged off and closed since XX/XX/2018, and there has not been any activity on this account since then. Please help to have this removed from my credit reports as it is stopping me from purchasing a home for my family. 

Cavalry Portfolio Services - {$8500.00} has also been charged off and close for close to 5 years now, and there has not been any activity on this account since then. Please help to have to removed from my credit reports as it is stopping from purchasing a home for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/2023 I asked that experian fix that address on my report as it was showing 3 incorrect addresses with the way the numbers were put in an order. I told them what the address should be. They took off all addresses and now i can't pull a report with even my membership with experian. My letter was very explicit and also needed 4 inquires removed. Instead. they sent a message to my XXXX XXXX  XXXX XXXX credit card to be blocked and they closed my account. XXXX???? HOW CAN THEY DO SOMEONE THIS WAY AND I NEVER AS YOU WILL SEEE ON THE DOCUMENT ASKED FOR THAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
My wife and I both got a call about being served papers for a complaint from a debt against myself. Told to call a number if not available to sign on that day. My wife and I both called to find out information. Phone number is XXXX. The person on phone said it was a debt owed to Toyota for a vehicle purchased back in XXXX and was auctioned in XXXX and I owe the remainder of bill. I never purchased a Toyota in XXXX. I believe this is a scam. When I tried to look up the company city serve which the company they are claiming to be it comes up with XXXX  charity and a church charity, instead of a debt company that serves papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX put me in for a loan through Wells Fargo, where I banked at the time. Wells Fargo pushed through the loan for close to {$30000.00} for a 2019 XXXX that already had over 50,000 miles on it. They never made me produce 6 months of my bank statements which would have shown that I did not qualify fir a loan of this magnitude. I am on XXXX, and worked as a XXXX XXXX XXXX at the time. I don't make enough money to have qualified for this loan. I can not refinance as the vehicle is only worth {$17000.00}, and only in Fair Condition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a4s.1 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 2023-02-15 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 XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX.1 open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation