vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was completely taken advantage of. I am so glad that I finally took the step and enrolling into a university its very confusing but I understand and value all. I have had a very rough but fun life. I have been everywhere. But the collateral damaged produced by Bank of America , Banc of America, Merrill. Is by far the most damaging and destroying element to ever face me. Student on the journey to gain a higher education. As I pledge allegiance to the flag of the United States of American and to the republic for which it stands one nation, under god, in divinity, liberty, XXXX for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent in proof that Midland credit Management by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that XXXXXXXX XXXX XXXX was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize XXXXXXXX XXXX XXXXXXXX to use my information. It is against the law. They still wont remove it. 

# Midland Credit Management and XXXXXXXX XXXX XXXXXXXX both have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts. 

XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft? 

I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ). 

How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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:
U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction Experian is ignoring my dispute request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with FCRA this company has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. Transunion is ignoring my dispute request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, my credit card was charged {$1100.00} for multiple unauthorized transactions. 
On XX/XX/2021, I received BOA phone call and alert telling me my " unusual credit card activity detected ''. I confirmed with the representative over the phone that those transactions were not made by me. BOA XXXX my card and issued a new one to me. 
On XX/XX/2021, I received the money back from BOA as total of {$1100.00} including one transaction that is not fraud which accounts for {$27.00}. 
On XX/XX/2021, I received the claim from BOA regarding their actions to the fraud activity. 
On XX/XX/2021, {$1100.00} was charged again by BOA which supposed to be only charge the {$27.00} one as it is not fraud. 
On XX/XX/2021, I received the email notification from BOA regarding their decision saying " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' In the following days, I called BOA to submit my claim to BOA. 
On XX/XX/2021, I received BOA 's notification that my claim was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
called and sent letters to Equifax on numerous occasions to no avail they will not remove the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial fraudulently, willfully and repeatedly reporting my credit card ( ending XXXX ) balance much before the closing date ( See attached Exhibit 1 & Exhibit 2 ) in violation of FCRA, Electronic Fund Transfer & Electronic Wire Transfer. 

This has caused XXXX score to drop XXXX points. ( Exhibit 1 ) Elan and XXXX have given plenty of opportunity to do things under federal laws. Elan and XXXX refused. This would be the second lawsuit against XXXX since XX/XX/2021. 

Thus the current lawsuit against Elan shall include XXXX XXXX, General Manager, XXXX XXXX Senior Vice President, XXXX XXXX and XXXX XXXX of Elan Credit Card in personally capacity.

Because of the lawsuit, Elan must NOT contact me personally. 

cc. Law offices of XXXX XXXX, XXXX XXXX, CA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have sent in proof that XXXXXXXX XXXX XXXX  by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that Amerassist Ar Solutions, was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize Amerassit AR Solutions to use my information. It is against the law. They still wont remove it. 

# XXXX XXXX XXXX and Amerassist AR Solution both have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MT

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed 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 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I believe this is for a trial membership I did at a XXXX XXXX gym near me. I signed up for the trial online, used the gym once and then told the woman at the desk it wasn't for me and that I didn't want to continue... I was informed the person I needed to talk to wasn't available at the time. She took my name and told me someone would be reaching out to me. There was no talk about a " process '' to cancel, as I was on a trial. 

I didn't hear anything from anyone, figured the situation was sorted as it was a trial, and went about my business. 

45-60 days later, someone starts calling my phone talking about this debt and late fees I had. I don't own anyone any money, I told them to leave me alone. They kept calling, and now they are having the actual location in XXXX call me and leaving me voicemails threatening they will hurt my credit if I don't call them back and sort out the " late fees ''. 

I have not been to that gym outside of the single day I went to try it. I was not interested in continuing and I told the staff that. 

Its not my fault they don't communicate well and that is usually a result of them not wanting to actually " cancel '' trial members out ... Obviously they need the conversion and additions to their XXXX. The reason people offer a trial is to see if it is something you want to continue. I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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 XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, Navient is willfully reporting wrong student loan balance to ( 1 ) XXXX XXXX  2 ) XXXX ( 3 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Agency, Experian violated my rights. I disputed account XXXX because it contains adverse items on my consumer report which under 15 U.S. Code 1681i ( a ) Information excluded from consumer reports- Procedure in case of disputed accuracy- ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Account XXXX contains late payment information which are adverse items. 

In addition Experian violated 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph- Procedure in case of disputed accuracy. Experian stated in CFPB Complaint Number XXXX-Response stated that no accounts existed on my Consumer Report. Experian did not provide a complete investigation of claim because as of XXXX XXXX accounts Experian accounts are being furnished. I have mailed Experian a copy of report and attached a tracking number to ensure Experian has knowledge of violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
I XXXX XXXX have previous opened a dispute with Equifax in regards to fraudulent account and inquiries on my credit report I have sent them several documents over the course of the last month and they have yet to remove the accounts inquiries from my credit report despite me sending in documentation a dispute was opened on XX/XX/XXXX and closed in XXXX but the account fair collections and outsourcing is still reporting despite me sending a ftc report several times them the inquirie XXXX XXXX  is stil on my report despite me sending in the documents I have tried to open a another dispute with Equifax the are no longer cooperating nor will let me dispute the only account and inquirie I have on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NY

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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CA

Complaint narrative:
Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, XXXX is willfully reporting wrong student loan balance to ( 1 ) TransUnion ( 2 ) XXXX ( 3 ) 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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 use 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions 15 use 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The website for Barclays credit cards is incredibly confusing. There is no clear stated total transaction cost amount on the website. I have to personally calculate how much money will be owed on my upcoming bill, by adding up all the transactions myself. Currently I have several pending transactions and that is also not totalled anywhere. It is incredibly confusing and misleading to use this website to try and determine how much money I will owe on my credit card every money, prior to the actual bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Venmo account was recently temporarily Frozen. I was asked to pay a balance of {$230.00} which I did and my account was immediately restored ( XX/XX/XXXX ). Shortly after my account being restored, I was sent {$1300.00} ( XX/XX/XXXX ) from a friend. Immediately again my account was frozen. I was not able to cash out or send the money to another institution. I reached out to customer service ( XX/XX/XXXX ) and was told recent activity set off an alarm in their system and I was asked to send in a copy of my ID. On XX/XX/XXXX I was sent an email saying that I was in violation of the user agreement and that my account was being permanently frozen with {$500.00} of my funds still in my account being help for 180 days. After repeatedly reaching out to customer service and asking for an explanation I was told without any explanation to stop reaching out because my emails will no longer be answered. I couldn't figure out what agreement I broke in that short time frame considering they just reactivated my account the previous day after I paid {$230.00} to have it restored. I think they're 28-page user agreement is extremely misleading. You could buy a pack of cigarettes with your venmo debit card and you are in violation of user agreement. You could pay for your prescription at the pharmacy and be in violation of the user agreement. I don't care if I can no longer use their platform but I think by them telling me I can no longer use it and then holding on to my money for 6 months that's a little ridiculous. I would like my money back.

Company response to consumer: Closed with explanation