vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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:
n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.

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 2023-01-26 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: HI

Complaint narrative:
XXXX need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
Loan amount : {$30000.00}. Account opened by EOS CCA in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to EOS CCA. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a Judge, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to EOS CCA as evidence and they have not responded to this date. It's been 4 months since I've sent the documents. Still am waiting for a response. 

EOS CCA purchased an account, that should never have been sold as it was in interest only deferment ( I was still within 6 months of graduation when this loan was bought by EOS CCA ). The other student loans that were accrued before and after this debt was sold have all been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
This morning cash app claimed they detected fraudulent activity on my account and they locked the account. I have repeatedly spoken with support telling them that all the transaction were done by me. They refuse to unlock the account for XXXX to XXXX hours pending an investigation. They are withholding my money, against my wishes and refusing to acknowledge that I have taken responsibility for all the transactions. This has been my second complaint against them in a month. I hope you will help me resolve this so I can just close the account. How do they just get away with withholding a persons money and leaving no option or recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a checking account with Wells Fargo from XXXX to XXXX at XXXX XXXX location and I had overdraft protection but I was still charged fees of XXXX to XXXX dollars each overdraft item my name is XXXX XXXX XXXX I want to find out if I'm owed any money for these 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 2023-01-26 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have been attempting to work with Mountain America credit union to join my debt management program and to get my payments caught up and they will not respond to the requests and are continually taking money from my ex husbands bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts on the FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: WI

Complaint narrative:
Discover card service is trying to collect a debt of {$410.00} from 2017. This was a secured credit card where I funded my own credit limit. I put a deposit down of {$500.00}. Which I never received back which should have went towards whatever debt that was left over. Discover have yet to provide an itemized statement with my deposit that I paid which covers what the current balance they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NV

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, experian, and XXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how Experian, XXXX and XXXX violated my Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After many efforts, I need your help to have information removed from my credit report with Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with Equifax, XXXX, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by Equifax. 

Remove XXXX XXXX XXXX This file just appeared on Equifax, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, XXXX, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After many efforts, I need your help to have information removed from my credit report with XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with XXXX, XXXX, and Experian. 

Also notified ( mailed XXXX letters to XXXX address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to XXXX XXXX XXXX / XXXX and is now a duplicate file and has not been removed by XXXX. 

Remove XXXX XXXX XXXX This file just appeared on XXXX, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, Experian, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the XXXX bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )

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 2023-01-26 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: NV

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 XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-01-26 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-26 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

Equifax Cease and Deisit this communication and stay out of my personal and private life and space.

You have no rights to be sending me any such email as such. If you do then provide in your response the regulations to support this request and provide anything from such a business that thinks they have the rights and the obligations to get what you are trying to get me to consent to. I will not give you any such consent. Now produce to me where it takes that I have to consent for you to do whatever. 

Provide me with your legal counsel 's name, address, and phone number so that I can place a call directly to such person 's office. Now honor this consent to get your legal counsel of record contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We were charged {$1000.00} on XX/XX/XXXX at the XXXX store on XXXX XXXX in XXXX, NH. The credit card company refuses to acknowledge that this was fraud. They can't tell us what was purchased for that amount. They never fully investigated the charge. They refuse to help us because they say that it was us because the credit card never left our possession. Obviously there was a skimmer or some other way the thief was able to get our number. The credit card company denies that a charge can be made without physical possession of a card. 
We have been stellar consumers with this company for more than 22 years. 
We are both in our XXXX on XXXX and there is no way we would charge that large an amount as we both have prescription insurance. Also, the credit card company never communicated with us about that large and unusual charge, they just let it go through. 
They have denied our claim based on the fact that the credit card never left our possession. We are out that money now. I need to know how we can fight this judgment. They wouldn't reopen this dispute. Earlier in the day I had charged {$17.00} at that store. 
I can prove I wasn't even in the vicinity of this store when this bogus charge appeared.

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 2023-01-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES XXXX  OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
BMW FINANCIAL SERVICES - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX  - INQUIRY ( 2 ) - DATE : XXXX, 2021 - CALLED CREDITOR XXXX - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY - XXXX, 2021 - CALLED CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: IL

Complaint narrative:
I called in today ( XX/XX/23 ) to pay a debt. The total on the bill states the total is {$320.00}. XXXX XXXX said the total was actually around {$320.00} and some odd cents. She said that there is a daily recurring interest, but that was not stated on the bill. She said that I owe {$320.00} and not {$320.00}. She was very rude when I asked if I paid online would I not be charged the {$2.00} plus. She said no and rudely hung up. I only paid {$320.00} online because I don't trust her to process my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Credit Karma, LLC
State: IL

Complaint narrative:
The FTC ruled that Credit Karma was to pay users for falsely telling us we we eligible for credit cards then not receiving credit card offer. I did not receive my part of the settlement. For they screwed the XXXX out of me.

Company response to consumer: Closed with explanation