vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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:
Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I sent in a payment by check a month ago and it still has not been cashed I believe they are doing this intentionally to try to foreclose on my property also they are trying to charge me an almost XXXX fee of interest which is unconstitutional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Reference : XXXX On XX/XX/2022 I received ( 3 ) emails stating disputes have been resolved or updated information has been correct. Each time I go to the account to review the updates of my existing complaint the record can not be accessed. Please see attached screenprint of the issue.

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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under en open end consumer credit plan as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.. We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Crypto.com throughout all of this never once wared me against submitting sending the funds, eventhough they had the resources to view and see that the account i was sending funds to was clearly red flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've called Capital One Auto Financing. Asked if they could update and report my payments accurately as to I have made payments on my account and have not missed 6 months of payments. I've also made them aware of my hardship that I faced and was out of work on XXXX at the time. I called and let them know that I was waiting to receive my XXXX check in which Took longer then 3 months to get. I was told that my account would be ok and go just pay when I get my check from XXXX. I did that and they reported that I haven't made my payments. I was told they don't do goodwill letters but I would like to have these late payments off my report as to they are hurting me. I don't think I should be penalties for being XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: GOLDEN 1 CREDIT UNION, THE
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX, had 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 instruction.

15 USC 1666B : A creditor may not treat a vehicle loan consumer credit plan as late for purpose or credit cards

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 2022-12-07 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my right. 
15 USC 1681 Section 602 state 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 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 explanation
Consumer complaint received 2022-12-07 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 d payment on a credit card account under an open end consumer credit plan as late for 322 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 2022-12-07 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:
Experian Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to Experian! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.

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 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then XXXX XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Wells Fargo throughout all of this never once wared me against submitting sending the funds, even though they had the resources to view and see that the account i was sending funds to was clearly red flagged.

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 2022-12-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
HI 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: NJ

Complaint narrative:
I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. The scammer happens to be a client of East West Bank, owner of accounts XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX ''. East West Bank provided service to a criminal and was involved in Money Laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by Fake XXXX Account ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
My XXXX XXXX account was closed and paid off XX/XX/XXXX. This same bill recently appeared on my credit after it was paid. Upon cancelation of the XXXX account, I kept my internet services until the following summer XXXX when I changed my address. I have payment information from my bank account where I still paid monthly for internet in XXXX. The provider first said I did not make any payments towards the internet or XXXX service. Once I provided this bank statement showing the XXXX account was paid off, the provider then said I made the payment to the wrong department and that my XXXX services continued, & that my internet was canceled. How was the internet canceled if I still made payments & used the internet? Either I need a refund or these false charges need to be removed from my credit! The provider also stated there is suddenly no copy of my contract nor payments made as proof of these charges. But I'm still being charged ... How can you charge me if you said yourself there are no records of the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: The CBE Group, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 d payment on a credit card account under an open end consumer credit plan as late for 322 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 it states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: MS

Complaint narrative:
I sent World Finance a cease and desist letter that included a request for several documents. I also informed the corporation that I was disputing the alleged debt. This letter was delivered to the corporation on XX/XX/2022. On the day of XX/XX/2022 I received a text message from XXXX who works at World Finance saying I was on a court list and that I needed to make a payment before its too late. I also spoke with XXXX and she verified that the letter was received. I asked XXXX did World Finance file a lawsuit against me or was World Finance threatening me. XXXX also mentioned that World Finance would garnish my paycheck. XXXX also attempted to collect a payment. My consumer rights have been violated. I informed the corporation to stop contacting me and send me the requested documents instead I was ignored. I am being harassed and World finance is causing me emotional distress. I cant even sleep because they constantly calling about an alleged debt. I want my cease and desist honored. I am a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
equifax does not consider what im saying i have no relantionship at all with XXXX XXXX so investigate their inquiry and as far as XXXX is concerned i only applied twice with them so 2 inquirys is most i should have not 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MO

Complaint narrative:
XX/XX/XXXX I called Captial One to let them know there are unauthorized charges on my account and that I lost my card. So they said that they will reverse the charges and that it will not affect me, that they will credit my account and conduct and investigation and also they will send me a new card. So I receive my new card and upon activating my card online, I see that there is a unauthorized charge of {$33.00}, so I called them back and they told me that I am to pay that amount and then the rest of my fund will be released to me, that they are still conducting the investigation but I would be able to use my funds. I made the payment of {$33.00} and now upon checking account this morning, my account is closed and they are telling me that because I called stating there are unauthorized charges on my account that is why they closed the account and I let them know that I will be filing a complaint with the FTC and the CFPB, while we're on the phone. They are telling me that they are not going to refund the XXXX and the account can not be reopened. This company has done identity theft and violated all of my rights pursuant to 15 USC 1691, 1691 a-f, 15 USC 1681, 1681a-t. I want both my accounts back minus the charges that that I've stated are unauthorized and I want an extension of credit that I wasn't allowed in the status of unlimited credit. Also I started back using my Capital One XXXX card and that card has been closed again without my knowledge and they are trying to say that because I stated there are unauthorized charges on XXXX account that this is their reason for closing both accounts. I am requiring both accounts with unlimited credit benefits. They have violated my 15 USC 1681 for reporting on my credit reports without my written permission and refused to remove the information.

Company response to consumer: Closed with explanation