vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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 Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 5 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I've contact affirm about a debt that not mind i ask for documentation that was never provided and they keep trying to get information to from me to update to there file cause they don't have none but reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS ACCOUNT RESOLUTION was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to EXXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party.

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 2022-04-29 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 explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Transunion is not reporting with 100 % accuracy on my consumer report. I have also not heard anything in regards of the dispute made on XX/XX/XXXX, for XX/XX/XXXX would have been the 30th day from submitting the dispute.

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 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A Wells Fargo checking account was opened in my name on XX/XX/2022 and then closed on XX/XX/2022 without my consent for either. I called Wells Fargo and they would not provide me any details on what branch the account was opened at nor what the reasoning for the closure was.

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 2022-04-29 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 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 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  XXXX/ {$0.00} / XX/XX/2022

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 2022-04-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX {$14000.00} I had a credit card with American Express, however due to nonpayment American Express closed on account with a balance on it. However, for over a year now I have been trying to make a payment and i have been unable to due to the fact that every time I call American Express, they tell me that the account is no longer with them. I was provided a lawyer firm contact information, however, when i reached out to that law firm I was advise they no longer had the account and that I needed to contact American Express again. But yet every month a late payment is reported on my credit report by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A small charge of {$21.00} was made to my Macy 's XXXX account on XX/XX/2022. On XX/XX/XXXX, I discovered that there was a late payment on my credit report from an alert that came to my mobile device from XXXX. Upon discovering this, I immediately called the creditor and made payment explaining to them that I had not received a letter, email, or phone call letting me know that payment was late. 

After reviewing over XXXX emails I received from Macy 's since my purchase, I only found 3 emails with the generic subject " Your Macy 's American Express Card Statement ''. All these emails ended up in a separate " Promotions '' folder in my inbox. These emails also show no balance due or indicate urgency that payment is due/late. I called their credit department explaining this and to see if they could correct my credit report by removing the late payment. I received a letter on XX/XX/XXXX stating that they would not clear it. 

On XX/XX/XXXX I called again. The initial representative encouraged me to talk to their credit department again but they were steadfast in their decision to not remove the derogatory mark. To that end, I canceled the card in frustration. 

In my opinion, creditors should not solely rely on generic emails to indicate something urgent to their customers. This creditor only sends monthly bills that all look the same with no indication of a balance and they can easily get lost in all the other promotions that are sent from them. They send no follow-up emails to clearly show your payment is late. This is the least they could do, but I would fully expect that they would send a letter in the mail or make a phone call PRIOR to notifying the credit bureau so the issue can be rectified. Most customers don't mean to pay late. My credit score was in the XXXX 's and it is a priority for me to pay my bills on time. With this, my credit score was adversely affected by XXXX points. It is unfortunate we could not come to an amicable solution so I want to file a formal complaint.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account was compromised by a fraud phone call I received in which I thought the call was from my bank because it was my actual bank number that showed up on the caller ID, then shortly afterward my account balance went to XXXX to a negative, I went to the bank they then required me to get a police report which I did, and they still haven't released my funds. I went back to the branch on yesterday XX/XX/XXXX to get an update and they stated it would be another 2-3 weeks because they forget to file my claim for my money to be release.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
There. Was. And. Is. A. Fraud. Charge. Transaction. That. BofA. REfuses. To. Help. To. Resolve. Issue. And. Credit. My. Acount. With. Reference. To. These. Fraud. Charges?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I had a membership at XXXX and cancelled during the peak of the pandemic in XXXX XXXX after cancelling the membership XXXX from XXXX called me and said my membership was NOT cancelled and I needed to cancel in person. This was during COVID and XXXX was closed due to the pandemic. They would not allow me to cancel via email of phone call. Then XXXX called me again and said that they would be charging the membership fees monthly even though the gym was closed and that i was also accumulating fees due to non payment, I reminded him of the global pandemic and he didn't really seem to think this was an issue. I asked where do i need to go in person to resolve this? XXXX didn't have an answer and just said they were going to continue to charge me. So I called my bank and said do not allow XXXX to take any money from my account and they stopped all charges. I didn't receive any more phone calls and then received a letter from Aldous and Assoc. on XX/XX/2022 who have been calling and threatening me regarding my credit and saying they were going to ding my good credit. They also would get angry and then hang up on me. I think XXXX are criminals and Aldous and Assoc are their Thugs and have been insufferable. i have read on the XXXX  website i am not alone in this scheme of theirs to collect money during the pandemic My {$69.00} is now a {$1200.00} .... BIG Difference!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 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 2022-04-29 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 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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership. 

A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports. 

On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/2022 I was assessed an overdraft fee by First Tech Federal Credit Union in the amount of {$33.00} at approximately XXXX. At that time my account available balance was {$540.00}. This shows on a screenshot I have of their online system. There was also a pending charge for {$740.00} at that time, but it was not completed until XX/XX/2022. Before the charge was deducted I both transferred money from my savings account and also received my normal paycheck taking the balance above {$3000.00}. 

I contacted the bank and told them that I was confused about the fee and how it could be assessed when my balance was above {$0.00} and nothing had been paid out that had taken my account below {$0.00}. I was told that " The fee was incurred due to the hold of {$740.00} from XXXX, although the purchase was much less, at the time the item was presented to your account for payment the available balance was {$85.00}. '' which is incorrect or their system is faulty, I was also informed that I am not eligible for a courtesy reversal. I don't feel this would be a " courtesy reversal '' situation as my account still had a balance, and I shouldn't have been assessed an overdraft fee in the first place. I am closing my account with them today.

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 2022-04-29 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: VA

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MO

Complaint narrative:
In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-04-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

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

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 2022-04-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

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

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