vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX the 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
Hi I am calling about refunding my student loan payments with EdFinancial. I have had different customer service representatives give me conflicting reports about when student loans will be reinstated. Please help me so I can stay eligible for the student loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Ive been unable to use my funds that Ive had direct deposited into my bank account. The app blocked and locked my account when I tried to make a payment. Ive called and spoke with numerous reps only for them to tell my account is under review with no explanation as to why and received the same lie that someone from back office will be calling me but I have not received a call. This has caused me to be late in my rent payments and possible being evicted

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 2022-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. XXXX and Specialized Collection Systems are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account XXXX XXXX XXXX XXXXXXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and Specialized Collection Systems . 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX chime credit builder reported an unpaid balance and tanked my credit score. This is a pre paid card I will never have an unpaid balance. This is happening to a lot of people that are trying to raise their scores not have them destroyed further. I have contacted chime a ton of times with no help in fixing what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One acct XXXX Account was paid off in XX/XX/2022, but small amount of interest accrued bringing balance to {$2.00}. 
Account was not on autopay, and was traveling a lot in XXXX, so did not see statement with small balance. Fees were then charged following month for {$2.00}, brining balance to {$4.00}. 

I eventually paid balance, but account was reported to the reporting agencies for what was only interest and fees accrued, and resulted in my credit score dropping XXXX points from a score of nearly 800. I even have a savings account with Capital One for over {$2000.00}, so was really surprised by the negative action for such a small balance! 

My husband and I are in the process of buying a new home, and such a significant adverse impact on a credit score for a petty balance consisting of only interest and fees seems wrong. 

Thanks for listening- I hope you can help us rectify. 

Best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX bank XXXXXXXX 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

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 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A fraudulent account was opened in my name with truist. I received a letter in the mail stating that an account was created in my name. I immediately called the fraud department of truist to find out more information and demand immediate close of this account. The fraud department reached out to me by mail stating that I had to put my money in this fraudulent account that was created to bring it to a XXXX balance in 7 days or a charge off would be placed on my consumer report. As a consumer why am I being held liable for a mistake that truist made? Letting a fraudulent account be created in my name.

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 2022-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I tried to submit a collection dispute on the Equifax website several times, and even though I was able to submit the dispute they would not allow me to attach supporting documents for the dispute and their additional information box was only limited so I could not further explain my dispute. I had to submit the dispute without this documentation and I believe they will not properly investigate without this information. They did not give any other way to submit the information for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Grain Technology, Inc.
State: NC

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX GRAIN TECHNOLOGY XXXX XXXX XXXX XXXX XXXX XXXX CA, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Which Grain Technology regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Grain Technology is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXX, XXXX, and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing hardship and grief in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies. 

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer.

Im giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 CAINE & WEINER ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX CAINE & WEINER ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: NY

Complaint narrative:
The batter of my XXXX XXXX broke down, I called XXXX about this issue and they told me I can either go to a authorized XXXX dealer to replace it or go to any mechanic and I can file a claim to get a refund, it has been more then 2 weeks since I submitted the claim and theyre just ignoring me

Company response to consumer: Untimely response
Consumer complaint received 2022-09-11 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: AZ

Complaint narrative:
I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and Equifax data breach. This has affected me from purchasing a home for my kids and providing a better life.

According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Following Inquires were not authorized by me 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

5 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 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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I was enrolled in Auto-Pay with Credit Acceptance, and they, without telling me beforehand, unenrolled me out of my auto-pay for my monthly billing. I'm afraid they'll unfairly charge me, ruin my credit, or repossess my vehicle.

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 2022-09-11 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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 explanation
Consumer complaint received 2022-09-11 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: AZ

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize the following accounts XXXX XXXX, XXXX XXXXXXXX XXXX Following Inquires were not authorized by me : 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 XXXX XXXX XXXX XXXX Following Accounts were fraudulently opened, were not authorized by me : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the XXXX web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 1

5 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account i demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer 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 non-monetary relief
Consumer complaint received 2022-09-11 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: NC

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Which XXXX XXXX regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXXXXXX XXXX  and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing XXXX and XXXX in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies.

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer. 

XXXXm giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
- In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

5 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 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