vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX XXXX. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} - Has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 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.

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 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I contacted my Health Insurance Policy Customer Service Department at my PRIMARY Policy MEDICARE Part A & B. And, also my SECONDARY Medicare Secondary Policy Customer Service Department XXXX XXXX XXXX XXXX XXXX ( XXXX ) for Information about Claim to pay {$320.00} for XXXX Test done on XX/XX/XXXX at XXXX NC in XXXX, NC. Their following statements follow for ( 1 ) Medicare Part A & B and ( 2 ) XXXX 
( 1 ) MEDICARE Part A & B - No Claims were filed by XXXX NC between XX/XX/XXXX thru XX/XX/XXXX for {$320.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - submitted a Claim on XX/XX/XXXX for XXXX Test performed on XX/XX/XXXX for {$320.00}. 
- The Claim was DENIED on XX/XX/XXXX due to not being filed by " Primary Policy - MEDICARE Part A & B ( Primary Policy ) before being sent by XXXX as the Secondary Supplemental Policy for claim. 

Their Instructions were to have XXXX re-submit the Claim for {$320.00} properly to MEDICARE PART A & B to pay the {$320.00} to correct the mistake made by them by incorrectly submitting the Claim to XXXX instead of MEDICARE Part A & B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX I received a disconnection notice from my credit monitoring system. I attempted to fix the issue and could not resolve. I called Bank of America and they stated they were closing my account. The refused to give any reasoning. I have now called everyday since then and have received no answers as to why the closed my account. This was a business account used to pay bills and payroll. They then took my funds and have placed them on hold. They stated they will not release the funds till full closure on XX/XX/XXXX. All of my business funds were in this account and now I can no longer access them. Nothing was wrong with the account and I have been a loyal customer for 6 years. I need my funds back.

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 2023-03-03 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: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights under 15 USC 1681, Section 602 states I have rights 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 USC 1666b states, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: CA

Complaint narrative:
Hello, we have purchased a new construction home to by built by Toll Brothers in Washington State. We were told that we needed loan approval from Toll Brothers Mortgage ( TBM ) in order to complete the purchase. We applied and were approved for a loan, and TBM offered us a float down rate lock. Before entering the agreement, we specifically asked our loan officer via phone if there was a lock-in cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs. However, now that we have found better options, Toll Brothers is claiming we owe them {$10000.00} ( a rate far above market average ) which will be added to our closing costs. 

In hindsight, despite our preferences to communicate with TBM via email, we suspect they insisted on only ever answering our questions over the phone by calling us at random times was to mislead or withhold information from us without a paper trail. 

The lock-in agreement further states that the contract is null and void should this {$10000.00} not been paid immediately on execution of the agreement. No one contacted us about paying this {$10000.00} even though the agreement states that this would be due immediately on entering the agreement. 

When we expressed our intent to work with other lenders, TBM notified us about this {$10000.00} hidden cost. We tried to dispute this cost, to which TBM informed us that behind the scenes, Toll Brothers silently fronted TBM the lock-in fee on our behalf, so therefore we now owe Toll Brothers {$10000.00} on closing. 

To summarize, we were misled in our discussions with our loan officer about rate-lock costs and we have neither seen nor signed any documents giving Toll Brothers consent to pay hidden costs to TBM on our behalf. We believe the misleading practices they have engaged in are wrong and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

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 - 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/2023, I sent {$500.00} through Zelle to a person to buy an electronic item but never received the item. I contacted my bank ( XXXX ) on XX/XX/2023 and XX/XX/2023 but they claim that they have no way of returning the money back to me and Zelle is not helping me at all either. XXXX sent me a letter saying they can not help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

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 - 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 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.

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 2023-03-03 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: Experian Information Solutions Inc.
State: NJ

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 - 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 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.

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 2023-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by USPS upon completion of your investigation.

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 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I XXXX XXXX, consumer am demanding Wakefield And Associates to cease and desist all debt collection activities through all and any medium including CRAs. Wakefield And Associates has failed to comply with The FDCPA I have come to the understanding A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, but Wakefield And Associates failed to comply. ( SEE ATTACHMENTS ) A debt collector may not engage in The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person ( SEE ATTACHMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Hello- I checked my credit report today and there was a new credit collection posted in XX/XX/2023 from 'One Main Financial. ' It is a small amount of money, however, I have no knowledge of this debt and have not received any communications that it was outstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 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: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-03 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-03 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: MD

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

1, XXXXXXXX XXXX ACCOUNT # XXXX 2, XXXX XXXX ACCOUNT # XXXX 3, XXXX XXXX XXXX ACCOUNT # XXXX 4, XXXX XXXX ACCOUNT # XXXX 5, XXXX MAIN ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MD

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXX XXXX  ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Closed my account on XX/XX/2023 and got a check for XXXX dollars with Firist Citizens Bank got a paper in the mail from the Bank said XXXX in amount and XXXX over draft and XXXX over draft fees, on XX/XX/XXXX  dollar owe they say and on XXXX  2023, XXXX dollars they say I owe after a closing statement of XXXX owe on over drafts and over draft fees on XX/XX/2023 can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Carter-Young, Inc.
State: GA

Complaint narrative:
A medical collection with a PAST DUE balance of {$260.00} has been reporting on my account for almost 2 years. Not only does this violate HIPPA but also a violation of the FCRA and XXXX XXXX compliance reporting standard. I've never agreed to a third party having access to my credit nor medical/personal information. I have sent countless disputes via mail and also reported through XXXX, XXXX and XXXX websites. I have yet to receive documents contracts with my signature agreeing to any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
2 years ago at PNC I had an account and I applied for a loan I wasnt aware that the loan that I applied for online the people went inside my account and disputed everything until the bank called me I explained that I didnt dispute anything and it left my account being closed now I cant get an account anywhere

Company response to consumer: Closed with explanation