vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX 2. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
account resolution servi is reporting to XXXX, XXXX and XXXX that i owe them {$780.00} {$710.00}, i am not sure how they got these calculations because i never did business with them. i been disputing this account since 2018 and haven't gotten any response from them besides a attempt to collect on the alleged debt. they had 30 days to complete the re-investigation, yet they have failed to respond its been 2 months any Further delays are inexcusable. i am looking to get custody of my kids and need to move to a bigger apartment but this one account is holding me back. I have been more than patient with this company. It is unfair to my kids and I, it's like I have no rights over my report. please remove this account from my credit report they have no provided me anything to support the fact that i owe them money. They need to successfully discharge the debt or seek a different type of remedy besides ruining my credit. account number XXXX 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
XXXX had ben taken from my NetSpend acct reported disputes I had XXXX from my tax return I did 1 transfer for XXXX nothing afterwards please call me at XXXX XXXX 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 2022-06-17 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: AL

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

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 2022-06-17 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: AL

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I mobile deposited a check to my business account with Bank of America from someone I was doing business with ( XXXX XXXX XXXX ) on XX/XX/XXXX per our contract and agreement. Suddenly, on XX/XX/XXXX Bank of America withdrew those funds from this check/account and said it was a duplicate. I called Bank of America XXXX times to ask how it was a duplicate when I only had one deposit of this check showing on my ledger. I was given various answers but the funds were never credited back to my account. Finally, a representative of Bank of America told me that XXXX XXXX stole this expired check from me and deposited this check into his account, and thats why Bank of America mistakenly withdrew these funds from my account. However, they refuse to correct this mistake and tell me, ironically, that they cant just withdraw the funds from his account. I have reported XXXX XXXX to the authorities, but Bank of America refuses to correct their mistake of depositing an expired check into the wrong persons account. To add to this entire situation, the check has clearly written on it, the originators business name XXXX XXXX XXXX XXXX ) and my business name, XXXX XXXX XXXX XXXX ) & the funds, again, were deposited into my business account on XX/XX/XXXX. I have the images of the stolen check from Bank of America and I have a police report number as well. Below, I just wanted to list some of the false information I was provided by various BOA representatives. 

1. Im putting in a dispute and this should be fixed. ( This never happened ) 2. We dont know why there is a duplicate showing. ( When they knew all along and refused to tell me. ) 3. The funds were sent back to the originators account when their bank requested and we dont require any verification to do that. ( I have a bank statement from the owner of XXXX XXXX XXXX XXXX XXXX. & he never received those funds back into his account. They are still currently in XXXX account. Who is a thief or an associate of the thief. ) 4. We cant just take the funds out of this persons account ( when clearly they can because they removed them from my account )

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 2022-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-06-17 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 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 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
Consumer complaint received 2022-06-17 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 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 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
-Card company closed my card XX/XX/2018. 
-Ive

made automatic payments since. -Im trying to p
ay off this debt via a loan company. 
-Credit card company wont give me my account number so that I can pay my balance. 
-Since account is cancelled I cant get a new card with account number. 
-Credit card statements dont have account number. 
-Online chat wont give it to me. 
-I called and they wont give it to me. 
-I escalated to a supervisor and they still refuse to give me my account number. 
-This account has been closed for almost 4 years ( their doing and nothing related to missed payments or exceeding balance ) so I dont have the card anymore and I dont have any monthly statements with the account number. 
-I need my account number to have this paid by the third party company and this credit card company is refusing to cooperate. 
-Ive been trying for weeks. And my deadline for this loan company is 9 days. 
-If I dont pay this its going to show as late payments and then go to collections. 
-Why am I not entitled to my own account number? Why are they refusing to give me information that will allow me to pay my bill? 
-They have given me zero options except to pay with a bank account online or over the phone which dont work for me.

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
TRS Recovery Services was notified on XX/XX/2022 that the debt they are attempting to collect for a " XXXX XXXX' was and is fraudulent. I do not owe this company any debts. These checks were stopped because these are fraudulent transactions from an Identity thieve. I do not know who Authorized these transactions but even the XXXX XXXX States I am not responsible for the transactions. I have not conducted business with this merchant, and I do not know who has but It was not authorized. TRS continues to try and collect on behalf of TeleCheck Services, Which still is not authorized. I am a victim of identity theft, and these transactions have already been reported to the FTC and this checking account was already closed because of the fraudulent transactions. These are not authorized checks. These are Forgery, and I will not accept a debt I am not responsible for. I already notified TRS of my right to dispute and TRS continues to send collection letters and trying to collect on a fraudulent debt.

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 2022-06-17 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: AL

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

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 2022-06-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 2022-06-17 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: MS

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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 2022-06-17 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 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 2022-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Good Evening i purchases a used XXXX  XXXX XXXX with a loan obtained through ally financial in the amount of {$16000.00} at 19.6 apr for 72 months with a prepayment penalty. They said they would not change the contract. I understand that it is illegal in all 50 states to put in a prepayment penalty on a auto loan greater than 61 months. THank 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 2022-06-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are unauthorized credit inquiries on my credit profile.

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 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
Duvera is reporting to XXXX, XXXX and XXXX that I owe them {$3000.00}. Im not sure how they got to these calculations because I never did business with them. I been disputing this account since 2021 and haven't gotten any response from them besides an attempt to collect on the alleged debt. They had 30 days to complete the reinvestigation, yet they have failed to respond. Its been 6 months any further delays are inexcusable. I have been more than patient with this company. It is unfair and its like I have no rights over my report. Please remove this account from my credit report. They have not provided me any facts that I owe them money. They need to successfully discard the debt or seek a different type of remedy besides ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NV

Complaint narrative:
iaccordance with the Fair Credit Reporting act XXXX XXXX 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 explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Abra

Complaint narrative:
Hi, I have been using Abra XXXX, which is a cryptocurrency exchange mobile wallet https : XXXX From XX/XX/XXXX they will disable withdrawals of the XXXX token, these XXXX tokens were earnt on the platform through Yield, Swaps, Purchases or Referrals. 

They have also disabled swaps before this date on the platform. 

It's currently only possible to sell these tokens on another platform, which is currently in the process of also delisting XXXX 

Abra has also recently increased the withdrawal fees to XXXX which at the current price is {$18.00} after the price has collapsed significantly since the announcement. 

Then there is a XXXX withdrawal fee. 

So it's currently not possible to withdraw for lower balances. 

I'm also still owed rewards, the last email I have had from Abra is that they were to payout these rewards at XXXX which at the time of writing is significantly above the current market price and withdrawals/swaps will be frozen indefinitely as per there email. 

So between me and my wife we had over $ XXXX in XXXX now worth much less due to Abra 's poor management. Swaps have been disabled ever since we received the coins.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I dont owe this place take it off its messing up my credit score its was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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 XXXX Account # XXXX, has violated my rights. 

1

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 a account without my written in
structions

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 2022-06-17 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 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 2022-06-17 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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