vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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: GA

Complaint narrative:
I disputed a Public record Bankruptcy and the accounts included in the bankruptcy which are XXXX XXXX XXXX credit card account # XXXX, XXXX charge account # XXXX, and XXXX XXXX credit card account # XXXX. There was no proper reinvestigation done, nor was the requested proof of the investigation and verification given. I contacted the third party company and they provided proof that there was no bankruptcy in my file. 

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 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 2022-07-17 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Transunion specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan 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 2022-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is fined {$220.00} XXXX for not doing the EDD jobless benefits during pandemic right by CFEB and OCC in XX/XX/2022. I happened to be one of the victims. In my case, BoAs call center was scammed by some fraudster ( s ) and the BoA agent changed my EDD BoA account email address without notifying me. This causes me to lose {$35000.00}. Although the lost fund is reimbursed, I had to spend at least 100 hours with BoA to resolve the problem. I am now seeking for a compensation of the damage caused by Bank Of Americas dereliction of duty and failure to perform a banks most basic obligation.

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 2022-07-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have submitted and re-submitted proper paperwork for the Public Service Loan Forgiveness ( PSLF ). I was told all the information has been verified and approved however, no chances have been made to my account since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I happen to apply for credit last week- the week of XX/XX/2022. Instead of getting the instant answer I expected I instead got a denial letter with the reason being that I had no Credit Score? This was surprising because I have a credit score and have bank accounts as well as credit cards that have low balances. 

Later that same week I tried to open a Checking account with Bank of America here where I live in XXXXXXXX XXXX  I have had a checking account at my old bank in XXXX XXXX for over 15 years where my Social Security Direct Deposit goes along with a pension check. When I went to open the checking account in XXXXXXXX XXXX with Bank of America that asked for my ID info. I also showed the staff my Checks from the XXXX account and a Credit card along with my Drivers License from XXXX XXXX. After a couple of minutes the young lady at the bank suddenly Gasoed out loud and told me I came up as Deceased?? I told her that I was clearly not since I was sitting in front of her with numerous pieces of ID. She indicated that she could not open the account at this time but would take my phone number and call me. Neither she nor anyone at Bank of America called me. After having this happen I investigated further by obtaining my Free Credit reports from all three major credit reporting agencies. I was able to get XXXX XXXX XXXX but ran into a proble with XXXX. I did not get the free credit report but was directed to contact them ASAP. I did not call. This error of having me listed as Deceased cause me to not be able to get credit where I wanted too and also prevented me from even opening a checking account. I did suffer real ha from this error.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There's a Macy 's credit card on my account that was paid and closed on XXXX. However Macy 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the Macy 's account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/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 2022-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
XXXX will not cancel my service, -first requested by me in person at a designated XXXXXXXX store on XX/XX/XXXX, again on via phone to the company XX/XX/XXXX and again XX/XX/XXXX via chat transcript, XX/XX/XXXX -via phone conversation and in XX/XX/XXXX via email from their legal representation. Requested multiple times in past year to cancel service. XXXX sends my debt to a collection agency using an improper address and improper former last name ( yes, they have been told multiple times to correct it and given proof of the address and name change ). As a result of XXXX not canceling the service, I am being sent to collections for " fees '' after they have informed me of the account being disconnected and the account {$0.00} balanced. 

Their representatives tell me they will cancel the debt and notify the credit agencies, and then three months later another debt collection appears on my credit report for " Fees ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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 XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX account XXXX 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, states a consumer reporting agency can not furnish an account with my written instruction.

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 2022-07-17 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX account XXXX 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, states a consumer reporting agency can not furnish an account with my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Equifax specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictio
ns of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: OK

Complaint narrative:
In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 an 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 2022-07-17 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 XXXXXXXX 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 : 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 2022-07-17 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 XXXXXXXX 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 : 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 2022-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2019 a Utility Company Based in XXXX New Jersey called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). alleged that I owed them {$560.00} from a Utility account that was later sold to IC System Inc. I became knowledge of the account because it was being reported on my XXXX XXXX Consumer Report I made ample attempts to get this matter fixed with IC System and I was not successful in doing so. 

IC System Inc continued to pursue collection efforts dispute all the correspondence I mailed to them about the Fraudulent Alleged 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 2022-07-17 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: GA

Complaint narrative:
I disputed a Public record Bankruptcy and the accounts included in the bankruptcy which are XXXX XXXX XXXX credit card account # XXXX, XXXX charge account # XXXX, and XXXX XXXX credit card account # XXXX. There was no proper reinvestigation done, nor was the requested proof of the investigation and verification given. I contacted the third party company and they provided proof that there was no bankruptcy in my file. 

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 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 2022-07-17 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: GA

Complaint narrative:
I disputed collection account # XXXX and account # XXXX. I did not sign a HIPPA release form with anyone to release my medical information. There was also no proper reinvestigation done, nor was the requested proof of the investigation and verification given.

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I finance a car loan with Citizens Bank with an credit score of XXXX they gave a APR for 6.15 % for 84 months.The loan amount was XXXX my monthly payment was {$590.00} I refinance with XXXX XXXXXXXX on XX/XX/XXXX with a better interest rate APR 2.59 % for XXXX months. When XXXX XXXX paid off my balance I called Citizens Bank in reference to a refund of a partial refund for the Gap Insurance that I was included in the loan which was paid {$1000.00} dollars. They told me that I dont get no refund that according to Wisconsin Law they applied the partial payment to my balance that had reduced the payoff balance. I have been calling several times throughout the year trying to resolve this issue. I kept getting the runaround. 
So in XX/XX/XXXX I still didnt understand why I havent received a check. I spoke with customer service they explained to me why I didnt receive any money back. This time I finally requested an copy of my payment history. 
When I received the papers in the mail I notice that they applied an substantial amount of my car payment toward the interest instead of the principal. My first car payment of XXXX was due XX/XX/XXXX I paid on XX/XX/XXXX {$600.00}, {$280.00} applied to principal {$310.00} applied to interest Principal {$40000.00} XX/XX/XXXX {$600.00}, {$300.00} applied to principal {$290.00} applied to interest Principal {$40000.00} XX/XX/XXXX Payoff from XXXX XXXXXXXX {$39000.00} Principal applied {$40000.00} interest applied {$190.00} Fee/other paid {$960.00} principal balance {$960.00} XX/XX/XXXX rebate credit transaction {$960.00} fees/other {$960.00} Principal balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX we went Citizens Bank XXXX XXXX XXXX XXXX MA XXXX with my daughter to collect information about student loan. The Bank associates name was XXXX who helped us that day. we asked about information on how to apply student loan and give us more information about loan, we made it very clear and said we were looking at other banks so we didnt want to apply today. XXXX took me and my daughter info and told us he would run soft inquiries to see if were qualified. We mentioned to XXXX, your citizens associate, again that we dont want hard inquiries because we are only collecting information. XXXX said no its not a hard inquiry, its a soft one. We left the bank and we had email alert that show citizens did hard inquiries on both of our credits. We never reviewed application and never gave citizens Bank consent to finalize behalf of us we contact citizens and no one has reached out to us. He also he put my daughters name incorrectly on the student loan application and applied behalf of us, very unprofessional and very illegal. 

Can someone reach out to us and let us know is there any regulations and procedures citizens is following with best of my knowledge no one can use my so-called with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XX/XX/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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation