vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX reference number XXXX XXXX XXXX XXXX reference number : XXXX XXXXXXXX XXXX XXXXXXXX reference number : 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 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 XXXX XXXX XXXX XXXX XXXX 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 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 ) y ( 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 2022-11-08 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: FL

Complaint narrative:
This complaint had already been sent. But seeing that Bank of America continues to evade that they are responsible for this situation. I continue to request that my complaint be investigated. This complaint had the number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: GA

Complaint narrative:
I am victim of identity theft. Multiple accounts all around the country have reported fraudulent accounts using my name. 

On XX/XX/XXXX, Amerifinacial solutions have reported fraud accounts using my name to the Credit Bureaus. The amount is showing {$880.00} from XXXX XXXX of XXXX. 

I contacted the company immediately after being notified by my credit monitoring service and the young man who I spoke at Amerifinacial failed to comply. My rights have been violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Customer service representatives did not facilitate the state-to-state transfer in accordance with XXXX  policies or state law. 
Customer service representatives did not take responsibility or accountability for correcting their mistakes in a timely manner on multiple occasions. 
Customer service representatives refused to let me speak to a supervisor on several occasions. 
Supervisors/Specialists did not take accountability or responsibility for correcting the errors and facilitating the transfer in accordance with XXXX  policies. Customer service supervisors failed to assist when it was clear that the representatives had repeatedly dropped the ball and failed to take care of the issue. 
XXXX released my private, electronic financial information to an entity that I did not request nor consent the release be made ; in fact XXXX  released my private, electronic financial information to an entity that I expressly stated I did not it released. 
6. I filed a written complaint with XXXX  via certified mail. A representative called me when I was unable to take a call, twice. I have called back approximately 10 times and left messages with the representative requesting a call back and have not received one. When I call the customer service line, I get a representative who can do no more than what happened for the previous months trying to get this handled. 
7. I am getting emails from XXXX with someone elses name on it which has me highly concerned for the privacy of my own information and what will happen to my title once the car is paid off. 

I need help getting my title transferred to the appropriate DMV in a timely fashion. 

I have a significant amount of detailed additional information about this issue.

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 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I believe a credit card closed due to fraud use was used by Midnight Velvet XXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it.

Thank You PS my first name is mis-spelled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Equifax XXXX I made several requests to get my credit reports by phone and mail they both refuse to properly update information. Equifax has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. XXXX wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or scoreXXXX XXXX wrong inquiry 's nd collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/1922 I checked my credit and notice that there was a inquiry from XXXX that I didn't recognize or authorize placed on my Consumer credit file. I have mailed XXXX a copy of a FTC report filed because this inquiry was placed on my file fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
I XXXX XXXX recently checked my consumer report and noticed there are fraudulent accounts reporting to my credit profile. I reached out to EQUIFAX and to no avail I did not receive a solution. I filed an Identity Theft report, please see uploaded document. I am aware pursuant to 15 USC 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency such as EQUIFAX with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with account XXXX XXXX XXXX XXXX XXXX, AND XXXX is not relating to any transaction by myself, EQUIFAX IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX, XXXX XXXX, AND XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained PLEASE SEND ME A STATEMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I, the consumer have put in a dispute with EQUIFAX and I have made it clear this information has not been verified and can not be accurate. EQUIFAX has violated 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority. These accounts must be removed. Upon removing these accounts from my consumer report DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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:
On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, Experian and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA .

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 2022-11-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I opened a savings account with CIT Bank. After verifying the XXXX savings account I wished to transfer funds from via XXXX transactions, I submitted a request to transfer {$100.00} from my XXXX account to my CIT bank account. On XX/XX/2022, {$100.00} left my XXXX account has a transfer. To my surprise, on XX/XX/2022 an additional {$100.00} was transferred from my XXXX account to CIT Bank. I have no recollection of requesting or authorizing this transfer. 

On XX/XX/2022, I emailed XXXX for assistance. This is an email address they had listed on their website for customer assistance. I requested that CIT Bank provide me with proof that they were authorized to transfer the additional {$100.00}. I followed up on my request on XX/XX/2022. I did not receive a reply from CIT Bank until XX/XX/2022. Their reply said that it was a general informational email address and I had to request assistance elsewhere. I replied to them the same day requesting that they direct my urgent request to the appropriate person so that they could reach out to me with an answer. I did not receive a reply. 

On XX/XX/2022, I contacted CIT Bank about the same issue via their secured portal within their website. This was how the email on XX/XX/2022 advised me to contact CIT Bank on this issue. To date, I have not received a reply. The lack of response can only lead me to conclude that CIT Bank does not consider unauthorized transfers an urgent or serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, I have been unable to log into my checking account with Capital One on desktop or mobile without having to reset password daily. 
I have have been stuck in a loop of some sort since XX/XX/XXXX with constantly getting the run around from several representatives, managers and the IT department. 
The IT department advised to keep changing password until one sticks. ( What does that even mean ) Managers tried to help, but when they say they will escalate to IT, I never get a call back. 
*Attached is a letter that I wrote to Capital One back in XXXX of XXXX. No response from Capital One* I can log one day with changing password, but then the very next day, I am prompted to change password and I'm in this loop cycle where the system would continuously ask me to do this with no hopes of actually getting into my accounts. 

This is frustrating to me because I have a car that is financed through Capital One, credit card and my checking account. 
This is a huge problem because when I am late making payments, they are really quick with adding fees but not with assisting me with helps to log in to account. 
I had to pull my money out of Capital One checking and go back to XXXX XXXX. I am extremely unhappy about this. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
I did not authorize or give permission to these companies to report my private information. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports this is violation of my federal protected 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 2022-11-08 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:
On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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:
On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance

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 2022-11-08 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 confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX and Account # XXXX 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information : Any other adverse items 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 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