vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high five hundred range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
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 2023-02-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been 30 days and the credit bureau has failed to send my investigation back XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 items of information or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: IN

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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 to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 Now , 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 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 2023-02-12 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: IN

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-12 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I have a issue with GM/AmeriCredit. 
It was supposed to come off my credit report this month and I have seen nothing i tried to dispute this item then the date of the repossession disappeared and never came back my account number : XXXX this current matter is hindering my security clearance for the XXXX XXXX. It has been in since XXXX since the repossession. The item listed on the credit report has not been removed as listed on on 3 credit bureaus. 

XXXX XXXX ID XXXX XXXX. XXXX, XXXX Account Opened XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest credit systems placed a debt that is closed from XXXX. The account was fraudulent and closed. The date showing XXXX XXXX is not the correct date. XX/XX/XXXX I was homeless. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX > I currently have XXXX and I dont owe them anything. Attached is my current XXXX bill showing you active XXXX account<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data international , Inc. Sent me a collection notice XX/XX/XXXX XXXXAccount # XXXX with the principal amount XXXX interest amount XXXX with total due XXXX and threatening to increase the amount XXXX percent per annum. From a bill that was taken off my credit report from the apartment complex XXXX XXXX  XXXX. The account was removed from my credit report XX/XX/XXXX and increased my score XXXX points. I should not be receiving collections notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : 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 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 related 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 2023-02-12 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX. XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : 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 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 related 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 2023-02-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have contacted the creditor numerous times about this debt that I agreed to settle to pay and they agreed that it would be removed from my credit profile and they failed to do so. Its showing up as a negative account on my profile and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly.They have failed to respond and I ask that this debt be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My XXXX XXXX XXXX wife, trusted the statements and did not review the credit card statements. 
She has experience memory problems, which resulted that I review her credit card statement from the Bank of America. I found that she was paying a freud company at least three times a month for significant money. I researched that company and it was recognized by XXXX as XXXX, I went back two years and the money she paid was significant. I also found another freud with another company going back three years. 
The total claimed added to XXXX. Many calls to the Bank of America accepted the complaints, and said that they needed to review the complaints.We kept calling and was told that they would resubmit the claim We finally received a check for XXXX dated XX/XX/2023. We requested that they resubmit our claim, and received a letter dated XX/XX/2023 stating that they were unable to approve your recent claim. 

We feel that Bank of America is taking advantage of an XXXX XXXX XXXX lady with memory issues. The claim number is XXXX, and the claiment is XXXX XXXX XXXX. 
Thank you for your help. 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 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX there were over {$450.00} worth of transactions in small ammounts to 3 emails. i reported it as fraudulant charges and identity theft. they understood the problem and deemed it authorized transactions because it came from my acout even though i had no acess to my acount and my phone was hacked and i was receiving death threats.paypal closed the case a second time even faster after i send the dispute letter from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
SQUARE, INC. deactivate my online account and said " Any funds currently in your account will be frozen for a period of 120 days, and are due to be released after XX/XX/2023. 

While I answered a 20 questionnaire after the transaction explaining the surroundings of the transaction, provided proof of documentation of my business, and other request a documents, in good faith, they still refused to release the funds. 

Also, at the time of the transaction, the customer signed and agreed to pay that amount to me ( my company ) still Square inc is refusing to release the funds, without any explanation. They have refused to reach out to the customer to get verification that he authorized this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: DC

Complaint narrative:
Due to repeated and sustained miscommunication between BMW and their third party titling office, I have been unable to drive my car since XX/XX/XXXX. I moved from XXXX XXXX XXXX and sought BMW 's assistance in acquiring the Security Interest Filing form from XXXX Department of Motor Vehicles  to the XXXX Department of Motor VehiclesXXXX I obtained temporary license plates from DC, pending the Securing Interest Filing form. These temporary plates expired on XX/XX/XXXX, and DC will not issue another set of temporary plates to me unless BMW accepts fault for the delay thus the car can not be driven. Actions taken on my part : Called BMW Financial Services : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX for a total of XXXX minutes. This represents 5 hours 31 minutes of lost wages. BMW Financial Services would put me on hold to communicate with the third party titling office, each time giving me a different answer ( 12/13 title had been received, 13 title had not been received, 1/6 title had been received but the form sent via email was " cut off '', XXXX title received and form received but could not send title to po boXXXX XXXX XXXX would not send title because I had received all of the documents I needed already in my move pack, XXXX  would request electronic title again from XXXX DMVXXXX XXXX  " there has been an error, we can not explain it, there is no estimated resolution '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I deposited my XXXX Pension check into my Chase bank account. The teller informed me that the check needed to be sent for collection. I asked her why since I deposited at least 36 of these checks, and they did not need to be sent for collection. Her response was the computer told her. ( By the way, I deposited at least three more checks after this date. ) I was puzzled, and the teller said it would be deposited the next day or week. The check was not deposited the following week. I called the 1800 number on the forms, but I was waiting for someone to pick up the phone. I went to the branch, and they tried to reach the same number, and no one responded to the line. 
I sought help from Chase bank management, but they were no help. 

On XX/XX/XXXX, my check was deposited, but a collection fee of {$110.00} was charged. I asked my banker for help since I was never charged for the deposit of my pension check. He said he " notified the banker and branch manager at the branch at XXXX XXXX XXXX about your situation, and they assured me that they will look into it and notify you once they have received some answers or a solution. '' I received a voicemail from XXXX XXXX XXXX from the local branch asking to call back. I left three voicemails and have yet to receive a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint with you guys and Equifax states they will respond within 90 days which is not complying with their investigation policy with time frame. They have done this for the 3rd time. They do not complete the disputes I have requested to investigate the wrong incorrect information they are reporting without verifying, I will now file lawsuits. How can they tell you guys 90 days when their website state 30 days. I sent certified mail XX/XX/2023. Its passed 30 days. They are committing a crime at this point.

Company response to consumer: Closed with explanation