vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: SC

Complaint narrative:
I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 : XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 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 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited a check from my employer. Ive waited over two weeks now for my funds to be accessible. Bank of America keeps denying me my funds.

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 2023-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
This issue concerns a 2-year lease of a XXXX Ford XXXX XXXX financed through Ford Credit. The Ford Credit account number is XXXX XXXX. The attached letter ( which was sent to Ford Credit 's dispute department immediately after the events at issue ) provides substantially more detail on the sequence of events, including exhibits consisting of screenshots of my account. 

In short : I wanted to execute a lease extension in XX/XX/XXXX. Ford Credit had a very difficult time getting me thXXXX XXXX links to actually execute the extension, and numerous representatives gave me conflicting information about what I needed to do to access the form -- not to fill it out, just to literally access it. For this reason, it took over a month to execute a simple document.

This obviously caused some issue at Ford Credit, because after the extension, they never sent me any statements, in any format, and I had no way to know what the balance was or when to pay it. Then a month after the extension was signed, Ford Credit reported my account as delinquent to the credit reporting agencies. I tried to challenge the only way they allow ( mailing a literal letter to XXXX, Nebraska ). They have not responded. 

For further detail, please review the attached letter and exhibits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX  ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX  you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX  you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods 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 2023-03-04 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. 

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 2023-03-04 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. 

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 2023-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
we just have this debt, after our bankruptcy. and this was only c/o under our name. we are not responsible for these, they keep on sending these letter to us and made so stressful. we dont have to settle this. and that american honda they sent letter to us that theyve been sold the vehicle. if they sold it, why do they have to collect on us. its our ex friend who owned it from them. but they relocated and theres no way to get in touch with them. we are victims only. please help us to stop collecting & charging us for debts that was not literally belongs to us. We are victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XXXX XXXX I logged into my mobile banking app that I have with Bethpage Federal Credit Union to check my checking account before going to the ATM, upon checking my account I discover that there were 3 transactions on my account that I knew nothing about. The Transactions are as follows- XXXX XXXX for {$73.00}, XXXX for {$92.00} and XXXX  XXXX XXXX XXXX for {$15.00}. I called Bethpage Federal Credit Union immediately and filed a dispute for these charges my card was blocked and was told I can go the the Credit Union branch and get a new card or it could be mailed to me I choose to go the the branch and get a new card. I was given a provisional credit until the investigation completed.On XXXX XXXX I received a letter in the mail that upon competition of the Credit Union investigation that I am responsible for the XXXX XXXX charge for {$73.00}, this amount were deducted back from my account. 
I called Bethpage again and and were told that my card and pin with the chip was used and that the card can not be reproduce because it has a chip so its a valid transaction and that I am responsible for it. I told the representative that is not true it has to be reproduce because I have my card in my position, at this point I asked to speak to a supervisor and was transferred to one staff by the name of XXXX who took down all the information and promised to return a call to me, its past one month now still waiting on XXXX 's called, I called her number several times and left voicemails for her.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by Truist Bank by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used XXXX and found the problem was with our mortgage that was taken out with Sun Trust now Truist. Under status. Open/Never late. Deferred, payments begin XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.

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 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: VT

Complaint narrative:
XXXX XXXX charged my dental insurance after an appointment when I told them I didnt have insurance. I paid for my dentist appointment that day in office. The dentist charged my insurance also by mistake. XXXX XXXX XXXX sent me a letter saying I owed them {$170.00} for that visit. I called my dentist and XXXX and told them about the situation multiple times. My dentist said they sent a check to XXXX. XXXX said they never received a check. It has been so long that XXXX sent that debt to a debt collector, The Receivable Management Services LLC. I disputed the debt with them through both the phone and online form saying its not mine. I continue to get letters about this debt. I want the letters to stop. I dont want to be the middle man. Its an issue between my dentist and XXXX. I feel harassed.

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX PA XXXX has opened homeowners policy to my name that I have never agreed to. I have never singed any insurance documents authorizing her open this policy with the XXXX. 

Since then I have had multiple phone conversations with different XXXX agents from XXXX XXXX where I have clearly requested to CANCEL the policy that I did not want to open to begin with. To my knowledge, they have canceled the policy at some point. 

I was very surprised when I received a Credit Collection letter in the mail just now, requesting me to pay {$120.00} for the policy that I did not want and under impression got canceled back in XX/XX/2022 per my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
A student loan went to collections, because I was XXXXXXXX later than expected and was XXXX during my time in school. I explained to these companies I was still in school but forced my loan into default back in XXXX. I have since tried to reconcile with the credit collections but unwilling to show its closed and it is still increasing on a monthly basis. It is showing the account as active and open when I know the original debt was closed and sold off to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

Transunion : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023

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