vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: IL

Complaint narrative:
This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and equifax has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give XXXX XXXXXXXX my written instructions to furnish my account. Accoring to 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. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( 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. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why Equifax is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all 3 if being reported to all 3 but yet Equifax has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. EQUIFAX AND XXXX XXXX have both violated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
This was a XXXX XXXX credit card with Synchrony Bank I signed up for around XXXXXXXX XXXX XXXX that offered zero interest for a year. I bought a laptop, set it on auto pay, called them to make the full payoff 10 months later. Just noticed recently that the full payoff was never made and it's been acrueing interest ever since the card was issued. Around {$2000.00} in interest they are charging me because they never closed the account despite them recording the call of me giving authorization to make the full payoff on that date years ago. Credit card companies record every single phone call, do I have any recourse of action to get them to own up to willfully not closing this account? Suing them into returning my money?

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 2022-07-28 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: AL

Complaint narrative:
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 n accordance with the Fair Credit Reporting act 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 2022-07-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Unauthorized to run a hard credit check on my credit report and they explained that they was doing a soft credit pull.

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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Address of credit reporting company XXXX XXXX XXXX XXXX XXXX, TX, XXXX Dear cfpb, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1- Unknow or Invalid collection account on my credit report FAIR COLLECTIONS & OUT has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX XXXX : FAIR COLLECTIONS & OUT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/XXXX Balance : {$420.00} Dispute Report Number : XXXX Dispute Account Number : XXXX Explanation of item being disputed : At first, after 180 days, the original creditor XXXX XXXXXXXX had already charged off this amount from their books for a tax loss and contacted the insurance company about this loss. Original creditor sold off their charge-offs to the collection agencies ( FAIR COLLECTIONS & OUT ). From a legal perspective, I never made a legally binding contract with collection agencies. For this reason, I am not obligated to any collection agencies or I should have the responsibility to pay these debt collectors. 
Secondly, you can find my certified mail receipt ( showing proof that an item was mailed ) and return receipt ( verification of delivery was made ) in the attachment. ( Page 5-10 ). The collection agency had only contacted me on XX/XX/XXXX and XX/XX/XXXX. After I send my 2nd dispute letter, they never sent me any following up emails. After I received their mail, I sent my dispute letter to them on XX/XX/XXXX and XX/XX/XXXX. ( Please find my dispute letter on Page 3-4 ). I stated my point very clearly in these two dispute letters. If the collection agency can provide me with any valid and legal evidence that can show that I owe this debt, I will pay for this amount. Unfortunately, they failed to provide valid and legal evidence. After XX/XX/XXXX, I havent received any letter from them until XX/XX/XXXX. They put the collection record on my credit report and cause my credit score to decrease to XXXX. 

On XX/XX/XXXX, they did send me the evidence but it is not valid, please refer to my XXXX dispute letter ( on Page 4 ) as a reference. The official document that they sent to me does not have a legal effect since both parties do not sign the document. The document does not have my written signature so it does not have legal effect to indicate that I owe the debt. ( Page 11-13 ) If everything that I said was correct and valid, please remove the collection record on my credit report and recover my credit back to the original standpoint. 

Thank you for your assistance and looking forward to hearing back from you.

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 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ivy Street Development Corp.
State: NC

Complaint narrative:
I called today to get my original bill and itemized invoices. They denied my request and wet every rude. She told me XXXX the manager said I was just trying to get out of paying my bills and I needed to grow up. Told me I was just using some gerrerbish and said I was being sleezey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
PROOF OF CLAIM : Pursuant to The Federal Tort Claims Act, I am stating my proof of claim. I have been wrongfully injured due to the, negligent or wrongful acts and omissions of the agents of XXXX XXXX XXXX XXXX XXXX. SUCH AS EMOTIONAL DISTRESS, DEFAMATION, WILLFUL AND ILLICT FRAUD, PROPERTY LOSS AND DAMAGE CAUSED BY SUCH ACTS MENTIONED. I HAVE DISPUTED THIS CLAIM THROUH EQUIfax as they have removed the Duplicate account XXXX XXXX XXXX has furnished and under false pretenses according to 15 US CODE 1681 ( Q ), 15 USC 6809 ( 4 ) ,15 US CODE 6803,28 U.S.C. 2671-2680, 15 US CODE 1602 ( F )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. In accordance with the Fair Credit Reporting Act below, the following accounts have 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 instructions. 15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
hello good afternoon i went to a car dealership and they ran my credit and afterwards i had 25 hard inquires on my credit and i tried to get them removed but they are still on my credit these are the the companies capital one capital one auto finance 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a call from capital one asking if I tried to open a new credit card account for a large amount on XX/XX/22. I let them know that I didnt they agreed to remove it in 60 days, told me to call the credit bureaus. I put a fraud alert on my reports & XXXX had me file a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On thursday the XXXX of XXXX ally repossessed my vehicle with out any notice they refused to give me information to retrieve my personal belongings from said vehicle or even tell me where its located i have called to request said info multiple times with no success some of the items include a carseat XXXX XXXX tablet check book and other items

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 2022-07-28 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: FL

Complaint narrative:
I have been banking with Bank of America for 12 or more years.They called me saying we are closing your account.XXXXXXXX XXXX  opened an account in 2022 they closed my account.XXXX XXXX also closed my account .They send me a notice from a company called XXXX XXXX XXXX  in Arizona.There were no specific reason mentioned.I tried to open an account at XXXX XXXX and they told me they could not open one.I run a business file all my taxes and handle transactions a businessman will handle.Most of my deposits are wire from overseas customers and I send wires to suppliers different parts of the world..

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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Ive been receiving calls from this debt collection company for months! Ive been blocking numbers but they keep calling from different numbers and constantly harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Associates
State: VA

Complaint narrative:
On my credit report, XXXX XXXX XXXX, is reporting I owe XXXX $ on XX/XX/XXXX. Due to this I have been denied housing opportunities and loans to even improve my stances on becoming a home owner. I have absolutely no information on this bill or amount owed. I have called multiple times in the past 2 years of when this account was opened on my credit report to be provided with no information or even call backs on how this can be resolved. I have two insurances ONE being XXXX that pays for 100 % of my services within XXXX XXXX ( which is when these charges would have occurred ) Around the XXXX of my son around XX/XX/XXXX .... and TWO being XXXX. There should have never been any financial burdens on my part within these companies. The company has been given all my insurance cards as well as told I have two insurances. I have asked for my bills to be shown to me so I can see what they are for and have been told " they dont have them as they did a new system within XXXX and cant pull up records ''. I cant pay a bill I have no knowledge of, no bill for, as well as no communication on as to why my insurance has never been billed for any of it the " claimed '' amount saying I owe. This is highly unethical and I feel extremely victimized in my quality of life trying to move forward with no anvil. I need this taken care or and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: AL

Complaint narrative:
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 n accordance with the Fair Credit Reporting act 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 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 2022-07-28 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: AL

Complaint narrative:
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 n accordance with the Fair Credit Reporting act 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 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 2022-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed this company no knowledge of who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I disputed this company no knowledge of who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX & XXXXXXXX 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