vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: VA

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 XXXX XXXX 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 XXXXXXXX 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 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX, XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.

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 2023-01-15 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: CA

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

15 U.S.C. 1681 section 602 A status, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Kohl 's tried to scam me several times. I had set up for auto-pay for my Kohs Card . On XX/XX/XXXX, I get a notification from XXXX that a negative reporting was done from Kohl 's. I call customer service, and I was informed that my auto-pay was never processed. Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. The person on the phone said that charges were reversed and that credit reporting was going to be reversed. I checked my credit report on XX/XX/XXXX, and no changes were made. I call customer service again and asked why the changes were not made and asked about the auto-pay again. I had done the auto-pay online again. I was informed that the last representative was supposed to mail me a new card and that auto-pay was not processed again. This representative said that he would mail me a new card and auto-pay would be all set for the next bill. I gave the rep. the benefit of the doubt On XX/XX/XXXX, I receive another notification from XXXX of another negative credit reporting from Kohl 's. I called them right away. XXXX, id : XXXX, answered and I explained that auto-pay was not processed again and that Kohl 's did not send me a warning letter, or called me, or sent me an email for the late payment prior reporting my account. She assured me that late charge fee and reverse of negative reporting would be taken care. I asked her that I needed confirmation in writing that was being done. She could not send me an email saying that is against Federal Law and not able to say what Federal Law. I asked to speak with a supervisor, she put me on hold for 30 minutes and then hung up on me. I called again and spoke with XXXX, id : XXXX, for over 45 minutes. He informed me XXXX had not done anything. He tried to reverse the late charges and put a note but he couldn't either send confirmation in writing. He then transferred me to XXXX, id : XXXX, to whom I spoke over 30 minutes, she created a ticket # but could not either provide a writing confirmation either. She said they were not allowed to do that. How come a customer can not get assurance of what is being said? I asked for recording of all the calls and she still saying they were not allowed to do that. Are they allowed to misrepresent and lie to customers? I need all the negative credit reporting be reversed and an apology letter from Kohl 's for the stress caused from their unprofessionalism and their scam. These false negative reporting caused my credit report to go down by over 70 points. I need these points to be reversed to my credit score too. If I did not have the XXXX XXXX, I would not have known. Imagine to how many other customers they have done the same?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: IL

Complaint narrative:
After learning that my rights as a consumer were violated in several ways. I rescinded my contract with Flagship Credit acceptance, I noted that I required a remedy for the furnishing of a deceptive and fraudulent contract and other violations according to Law. The notarized affidavit I sent to them on XX/XX/2023. Without a response to my affidavit to Flagship credit acceptance, my car was repossessed XX/XX/2023.

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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a new Citibank credit card in XX/XX/2022. It had a low credit limit I was not aware of, much lower than any other credit card I have been issued in XXXX years. Our family took a vacation and we used the card to its limit. By the time we got back, XXXX services I have on auto-pay on the card were sending me delinquency notices. So I phoned Citibank to request an increase in the credit limit and they declined, sending me a written note saying XXXX had told them I had problems with other creditors. I prepaid the bill so the auto-pays would stop bouncing but Citibank told me it might take XXXX days for my ACH transfer to clear the bill. I called XXXX and verified that I have no freezes, locks, delinquencies or outstanding debts. XXXX told me it was okay to tell Citibank that XXXX could see no reason to deny me more credit. I called Citibank twice and relayed this news to them, and twice again Citibank denied my request and sent me the exact same form letter pointing to 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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the XX/XX/23 JP Morgan chase closed my account to protect my account against potential fraud and they would mail the balance of my account to me in XXXX days. This never happen and the keep telling me they can not give me more information and will not give me my money of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!

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 2023-01-15 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: CA

Complaint narrative:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Leviton Law Firm, Ltd.
State: TN

Complaint narrative:
Left voicemail message disclosing the debt including the amount and the name of the company to whom the debt was owed. 

Did not give any Miranda three separate times.

Refused to provide verification of the debt twice. 

Used intimidating tactics ( " You already received it, it's not my fault you didn't read your mail. '' ) ( " Verification of the debt is not required on this type of debt. '' ) ( " You'll be taken to court if you don't pay this now. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: NC

Complaint narrative:
Equifax has failed to remove fraudulent hard inquires off of my credit report, they have sent me several letters in the mail with confirmation numbers stating that the inquires were removed but they still reflect on my credit report. I have the confirmation numbers and hard inquires listed below. Please remove. 

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 2023-01-15 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I apologize to all involved for my delay in speaking I've had a mental illness that has worsend over time and ..well any chance I can request judicial review for a default judgment inwich needs to be hold immediately.appealThere has been a big misunderstanding involving penalty fund deduction from all or any accounts by mistake there are unfair fees associated fees on transactions without chance to resolve or dispute in any fair time, I don't have any legal council, I've not tried hiding or run making matters worse ..please allow accomodations request for all these legal problems. It's destroyed my character and getting way worse

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 2023-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: NY

Complaint narrative:
We closed in the purchase of our home i XXXX, XXXX. Since then our loan servicer has changed twice. We are required to escrow our property taxes, PMI, school taxes and home owners insurance. In XXXX XXXX New York our school taxes are due XX/XX/2022. Our taxes went unpaid, in the amount of : {$3100.00}. They were not paid as of XXXX XXXX so i called customer service and was assured it was an oversight and they would be paid. In XXXX we received our property taxes, now, including the school taxes and late fees, and our property taxes which are approximately {$890.00}. I again notified our mortgage Company. Who paid both the school- which will be rejected- because the taxes are included on the property tax. I have several issues : 1. I contacted the loan servicer by email, phone and no one understands what im talking about. 2. i should have to pay late fees that were the fault of the servicer. 3. I have received zero explanation 4. Now, because they dont understand how taxes should work, they have over escrowed us by {$5000.00} for the XXXX  year-and thats not correct. It increases my monthly payment and will directly influence my ability to pay.

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 2023-01-16 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: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
1st Franklin with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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 am intrested in disputing all incorrect information on my credit report with transunion.

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 2023-01-16 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: Conn's, Inc.
State: LA

Complaint narrative:
Conns Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
My car was repossessed 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 explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
XXXX XXXX XXXX called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with Al XXXX first. He informed me that he was calling on behalf of XXXX XXXX Bank to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX Bank and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXX  bank card that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors. 
I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said XXXX more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called Velocity Investments. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by Velocity Investments .

Im attaching the letter where they told me they could get me down to XXXX to pay.

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 2023-01-16 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: LA

Complaint narrative:
XXXX Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

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 2023-01-16 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: LA

Complaint narrative:
XXXX Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: LA

Complaint narrative:
XXXX Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

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