vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Rent Recovery Solutions
State: TX

Complaint narrative:
Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 Bank of America zeroed my unemployment account by withdrawing {$810.00}. I complained, on phone for hours on multiple days. Response was it was authorized and sent to checking or savings account. BUT they will not say to what checking or savings accounts. I dont have a B of A checking or savings account! I checked the ones I do have and that {$810.00} was not transferred in. 

This occurred after about a month of weird appearances and then disappearances of funds from my B od A account. Each time I questioned them I was told to report a lost debit card. I did this 4 or 5 times, given new cards each time and money reapplied to my account. I gave up and asked the California EDD to sent checks directly to me. They have and that part is fine. The {$810.00} has not been accounted for. There is something very wrong at the Bank of America. 

If this is not resolved I feel I must contact the AG to force an accounting. 

Previously documented as complaint # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
I received a letter in the mail from FirstCredit Inc, which stated I owed a debt for lab services from XXXX of this year. The amount is what I usually pay for lab services, but I had no outstanding balances in the patient payment portal. 
I contacted customer support for the clinic, and they had records for that amount from XXXX and XXXX, both paid, and no charges in XXXX. The clinic 's customer service recommended that I contact the collection agency to ask who is the client they are billing for. However, I attempted to call both phone numbers printed on the debt collection letter, and neither phone number is in service. 
I can only conclude that this supposed debt collection is a scam, and I am concerned how they got my contact information. I want to know how this company got my information, as this specific debt does not exist, but the amount is the amount I have been billed at other times. I am concerned, especially as this is related to medical care, so I want to know that my personal medical information is safe. 
The amount of the supposed debt is small, only around {$45.00}, so I'm more concerned with the potential breach of my information that this represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Multiple accounts were opened using my personal information. The fraudsters were able to have my mail forwarded to another state. Scammers used my info to open bank accounts and even obtained government funding. This has been a difficult process and a major set back financially. 

Ive attached a police report, and also an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MD

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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX, Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: MD

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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have made 6 ontime payments with oportun and my payments are not paying the loan balance off. This company is in violation of the state of Oregons predatory lending laws. When I try and communicate with the company I get someone who barley understands english and can not explain or help me. this has created a situation where it doesnt seem that the loan will ever be paid off and I can not afford to pay {$230.00} a month for the rest of my life. I currently reside in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern : This is one of many problems with JP Morgan Chase. I have been with them for decades. Including my family. They took it upon themselves to close my Checking account and savings account that is also linked to a joint Checking and savings account with my mother. The branch that knows about all of this doesn't have access to any information. They have tried to call telephone numbers and I have tried to call telephone numbers and there is zero response. In turn this has affected my credit cards with JP Morgan Chase because I can't speak to anyone and everyone at the branch has been laid off. Therefore no one has any access to any information. I am not sure if there is fraud or something done in a malignant way to me. It has affected my credit with XXXX and the credit services. I have no idea what happened but someone did threaten me to close my accounts at JP Morgan Chase but she was unable to do anything according to what I was told. She had no explanation other than she is no longer with the branch and was either let go or is somewhere else. Regardless I don't know what to do and I am desperate. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MD

Complaint narrative:
Hi, I have closed a dispute on my account, and I received an email from the merchant indicating that they have reached out to my credit card to close this case in my favor and they no longer will charge my account for this order. However, the bank has reversed it, and I still see the charge posted on my bank account. I have reached out to the dispute department of my bank serval times, and I was told there is nothing they can do since I closed the dispute. 

Thank you so much for your assistance with this matter.

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 2022-10-17 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: FL

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: FL

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I noticed personal information that did not belong to me. On XX/XX/2022 I sent letters to all 3 credit reporting agancies letting them know it was false information. Experian did Not remove the false information while XXXX and XXXX found it false and removed it. I sent second letter requesting that they remove the information on XX/XX/2022. Then a third on XX/XX/2022. Experian has failed 3 times to remove false information from 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
Payment lost not credited to my account after 22 phone calls and 3 faxes of checks that cleared my bank front and back copies they finally credited my account but interest dates incorrect. I have paid off loan but bank sent me much less than what I was due. Called bank and they said the account was closed and did not care about incorrect interest charges. 
XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Secondary address XXXX XXXX XXXX XXXX Ks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unauthorized transactions were placed using my amazon synchrony card in XXXX. I reported the transaction to the bank, and the bank started investigating. After the investigation was over, I received a letter stating that the items were sent to my address. However, I have never authorized 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 monetary relief
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
To Experian I submitted a dispute on or about XX/XX/2022. Loan company is XXXX XXXX, amount {$2200.00}. I requested Experian to provide documented proof, such as a signed contract loan agreement or any document with my signature agreement. 

To date Experian has not provided documented proof with XXXX XXXX. They are still showing on Experian website as a debt. 

I am requesting help from the FTC to get Experian to obtain documented proof. If not, remove XXXX XXXX debt of {$2200.00}.

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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc.
State: CA

Complaint narrative:
This complaint shall serve as an addendum to previous claim against another collection company " XXXX XXXX XXXX '' for XXXX XXXX XXXX File number XXXX I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX XXXX XXXX XXXXXXXX  at the early onset of XXXX not know what was the matter. I was covered under my XXXX  XXXX XXXX from my previous employer. I was laid off at the time because our office closed down in fear of the spread of XXXX. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a prescription for XXXX XXXX.. which was {$120.00} dollars by itself. The XXXX was kind and had mercy on me and only gave me XXXX of the XXXX XXXX they prescribed based on the XXXX XXXX XXXX XXXX and charged me {$20.00} bucks. 

NO ONE EVER CONSULTED WITH MY ABOUT MY OPTIONS? 
for treatment, I was in so much pain, I was crawling on the XXXX XXXX, a nurse came in after I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could have given me the script for a XXXX XXXX and a script for XXXX to allow my to pass it on my own. The bill would have been XXXX of {$400.00} dollars. 

What they did instead was have me sign all these forms while I was in excruciating pain, proceed to give me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the tune of {$5000.00} for a XXXX XXXX XXXX. What they did was inhuman. To Surprise me with that bill after care, that should not have cost more than {$500.00} dollars in total. XXXX took total advantage of me. 


This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation