vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: PA

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 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Hello Digit, LLC
State: VA

Complaint narrative:
I opened a XXXX  account on XX/XX/XXXX. I tried connecting my checking account but it would not work. Hours later I received a notification to contact support so I did and provided the requested documents to verify my identity. My account was still usable so I made transfers from my XXXX wallet balance to this account periodically as I started setting up my billers to use this account information. In total I deposited {$870.00} to the account. I set up my company 's direct deposit to go into the account as well. On XX/XX/XXXX at XXXX I received an email that stated " Your XXXX  account has been temporarily XXXX ''. I replied to the email with the verification documents requested ( ID, Bank statement, Utility bill, Direct deposit form ). I tried logging into the app and was unable to. I tried calling but their system makes you enter your debit card number to proceed. On XX/XX/XXXX at XXXX I called XXXX and entered my card number in three times until it automatically transferred me to an agent. The agent looked up my account and state that it was closed. I asked for more information and she stated " your account is closed without refund ''. She told me she was going to email higher support. I requested to be transferred to higher support but she did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Synovus Bank
State: PA

Complaint narrative:
Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Pa XXXX SSN : XXXX ( XXXX ) XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX XXXX XXXX Account XXXX Date openedXXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERASSIST AR SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX I received a promotional email from Lowes Credit Service via synchrony bank advising that if I used my Lowes Credit Card I would receive a XXXX percent rebate versus the normal XXXX percent in store rebate. I used this card for purchase order number XXXX for a range and observed the cashier scan the code during checkout. After returning home I looked at the receipt and it did not show a XXXX percent discount only XXXX percent. I cancelled the order and attempted a similar transaction online using the same code and received an invalid code notice. I returned to the store and was advised to call XXXX XXXX who in turn advised me to call Lowes Credit Services as this was their promotion. After XXXX minute on the phone the customer service representative said I needed to go back to the store and attempt the same transaction and then advise them what the error code was when they attempted the transaction. I advised them that there was no error code when I personally witnessed the first transaction and that still doesn't explain why the attempted online transaction gave me an invalid code when I entered the digital information. By way of background I received one of these promotional emails earlier this year in XX/XX/2022 and did not receive the percent rebate during checkout and after a lengthy discussion with the cashier and onsite store manager in XXXX, Georgia I cancelled the transaction. In my estimation Lowes Credit Services via Synchrony Bank is conducting a bait and switch fraud on consumers.

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 2022-10-27 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: MI

Complaint narrative:
Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX Equifax XXXX, XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: MI

Complaint narrative:
Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX {$530.00} original creditors XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX $ XXXXXXXX XXXX XXXX bank.XXXX {$00.00} 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 2022-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/2023 my balance was {$350.00} plus a past due balance of {$270.00} The bill is generated every XXXX day of the month with a due date on the XXXX. I then made a payment for {$150.00} through the automated line. When I called today for updating my current balance, and making another payment, the automated system said I owed more than {$800.00}. They payment from yesterday, which has already cleared my bank, has been added instead of deducted from the balance. I spoke to employee number XXXX, XXXX, and she told me I owed for the month of XXXX now. She also spoke over me and would not listen or make any attempt to resolve the balance at all. I was also told my fees are {$50.00} per month if not paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX dollars was stolen out of my checking acct the bank said it denied my claim that can not be legal. American Express bluebird will not refund the money that was stolen from my account I believe they are breaking the law my money is supposed to be protected how can they do this and legally get away with this there is no way what they are doing is legal I have used them a long time I have a direct deposit checking acct with them some body hacks my info steals my money and they say we're not reimbursing your stolen money because it was not me who withdrew the money. What kind of investigation did they do. Theyare breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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. Capital One 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 : states a consumer reporting agency can not furnish a account without my written instructions. 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. 
The above is the reason I first submitted the complaint. My information is being used by someone else and it is reflecting on my credit report. When I try contacting the creditor, I am unable to obtain information on the, mentioned account because the account holder information conflicts with my information. This account isn't my account and I need it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I disputed this debt with XXXX XXXX XXXX as I never received any notification about the debt they say I owe. I have asked for communication that was sent to me and I still have not received any information. They sent my job a request to garnish my wages which started XX/XX/2022 in which the amount they said I owe has been collected and more. My employer has reached out to them numerous times and gets the run around just like I have. They give an email address and then when you email and call to follow up they say oh it was recieved but not read so they give another email address and they say try this one my employer calls back and they say oh fax this number and the whole time my employer advises they cant stop garnishing my heck until they receive a release. This has been going on for over 2 months and I have XXXX kids with the youngest being XXXX XXXX XXXX he is the one being impacted as I cant afford to take care of him with XXXX dollars a month that doesnt even take care of daycare or food clothes a roof over his head nothing. My next step is reaching out to the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NM

Complaint narrative:
My Mother has XXXX and threw out her credit cards in XXXX XXXX as of the XX/XX/XXXX statement, this USBANK account had a credit balance of {$420.00} on it. I am her son and have power of attorney. I called US bank to close the account and have them send a check for the credit balance. I spoke to them on the phone in XXXX with my mother on the phone and they agreed to send the credit balance and close the account, but by then had assessed {$81.00} in fees for " Non-Payment '' on an account with a positive credit balance, so mailed us a check for only {$340.00}. After this, they did not actually close the account, and continue to assess additional fees. there has been no usage on this account since then. On XX/XX/XXXX I faxed in my power of attorney docs and am attaching fax reciept of the transmission, but they have no record of receiving the POA docs. The current balance on the card is now {$420.00}, with is entirely fees and interest assessed after I notified them that we wanted the account closed and they sent us a check for the credit balance. US Bank wont discuss the account with me and state no record of POA on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
On XXXX separate occasions I have been given misinformation about the payment plan I have set up I received the loan in XXXX of XXXX. I signed a contract with the company for automatic payment to be deducted from my payment account. This is the same account the money was disbursed into. I provided bank statements to set up this payment plan. 

In XXXX of XXXX I checked my account to see that my payments had not beed debited and that I had accrued late fee penalties and had a balance over XXXX dollars. 

I spoke with a customer service rep over the phone who confirmed I had a payment plan.I asked her why it was not being debited she said " I do not know. '' I asked her if attempts were made and she said she could not do that. I cross referenced the date with my bank statements and saw no charges from NC Financial were attempted on the withdraw dates. I confirmed the bank account number verbally and she verbally read it back to me. I was told that the issue was resolved and if the issue occurred again I would be contacted. I paid the past due balance and late fees. 

In XXXX of XXXX I checked my account and saw that again my account wasn't being charged again. I called and spoke with another rep who told me she doent know why either. She confirmed I have a payment plan. I then read her the number. she said that the number was incorrect and off by one digit. I was then disconnected while attempting to set up a new payment plan. 

I spoke with another rep who helped me set up a payment plan. I asked why I didn't receive a phone call. She said that I wouldn't have unless the payment plan is invalid. I told her that it must have been invalid for months if the numbers were wrong. she said " oh yea ''. I then asked to speak with a supervisor about the late fees. This was on XX/XX/XXXX. She said I would receive a call in XXXX hours. I have reached out 4 times since over the phone and via email and they refuse to speak with me. 

I have been given contradictory statements and misinformation. My account number was confirmed as correct, then confirmed as wrong. It should be impossible for my bank account number to be inputed incorrectly given the fact that in order to disperse the initial loan I had to provide bank statements. The loan was dispersed to my account so they must of had the number correct. 

I was told I would receive calls about late payments, told this wasn't a company practice only emails, then told that they call if a payment plan isn't correct. This is predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.

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 2022-10-27 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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