vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following : 1. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-18 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:
Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.

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 2022-12-18 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:
Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IN

Complaint narrative:
On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IN

Complaint narrative:
On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to XXXX official complaints to Experian, All of which have resulted in failure to update current PI to relevant open accounts. Experian has failed to maintain its obligations governed by FCRP. XXXX and XXXX have all complied. 

Currently requesting a new DL and SNN following IXXXX guidelines PLEASE REVIEW ALL SUPPORTING DOCUMENTS ATTACHED Address that are tied to CLOSED ACCOUNTS CAN NOT BE UPDATED BECAUSE THEY DONT EXIST. 

ALL ACTIVE ACCOUNTS ARE CURRENT HOME ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX MAILING XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX SECONDARY RESIDENCE XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-12-18 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: WA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATED MY PRIVACY ...... 

15 U.S.C. 1681 Section 602A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-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 2022-12-18 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: WA

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 acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

15 U.S.C. 1681 Section 602A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-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 2022-12-18 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: MI

Complaint narrative:
XXXX XXXX XXXX  XXXX {$2500.00} 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 Chapters View

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 2022-12-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following : XXXX. Account : XXXX XXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX  ; #, XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : 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 2022-12-18 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: 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. 
The following : XXXX. Account : XXXX XXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX  ; #, XXXX XXXX. Account : XXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : 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 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an account that attached to my mutual account. I asked the rep to transfer my funds in the mutual account. She was rude, also asked for my SS after I used my debit card to verify my account. She asked me sign a paper saying my full account number was the correct acct. But I sign in with my debit card, therefore no other information was required. I also would like to verify the deposit of direct payments from department of Treasury. 

I would like to verify the deposit information. I believe someone have try to obtain my account with fraudulent information. I have a fraudulent freeze on every credit check bureau, so protects me from fraud account being opened or information retained. Therefore, any checks should follow the bureau guidelines. No account or credit should be shared. 

I never received my refund of fees

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 2022-12-18 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: MI

Complaint narrative:
XXXX XXXX bank XXXX {$2500.00} 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 Chapters View

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. He is trying to collect money from me with fake medical bills. He hired the company " INDEPENDENT RECOVERY RES '' to collect this money. On my credit report, this debt is listed in " collection '' with a balance of {$33000.00}. First, I have never received medical treatment from this doctor ; XXXX XXXX XXXX. I have never been in his office. I don't know him and I don't know who he is. Second, I have never received a bill from this doctor at my primary address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my auto insurance paid all my medical bills to the XXXX  where I was admitted for an XXXX In addition, I also have health insurance to cover my medical bills. I appreciate that the pertinent actions are taken to denounce before the law and sue this doctor XXXX XXXX XXXX that he intends to defraud. My credit score tanked by having this account in collection. Please I need your help to solve all this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have purchased furniture that cost XXXX $ at Raymour and Flanigan in XX/XX/XXXX. When I purchased, I was ready to pay immediately but sales associate has recommended the 0 % XXXX interest offer for 18 months. I was told that 0 % interest for 18 months and 29.99 % after that for the remaining balance. I was asked to signup for the credit card through online. No one mentioned its deferred interest on the whole amount. It may have been in the fine print of terms hidden in the 10+ pages when I signup. 

I did setup XXXX $ auto payment to finish before XX/XX/XXXX. However for some reason additional purchase in XX/XX/XXXX which accounted to miss my promotion dead line of XX/XX/XXXX. I have been paying my dues regularly and supposed to finish the payment before XX/XX/XXXX. Due to additional purchase, there was XXXX $ balance on XX/XX/XXXX. 

Due to this, TD Bank has charged deferred interest of {$1800.00} for the whole amount XXXX $ instead of balance pending XXXX XXXX When I saw the account, {$1800.00} charged as Finance charges i was completely shocked and even it would have been interest charges it would have been 29.99 % APR on XXXX $ balance amount. Once I see this I paid {$1000.00} on XXXX immediately. 

TD bank has never send an alert on the promotion expiry but they include in the statement in fine print bottom of statement. 

I could have paid the whole balance on day one but Raymour sales associate has asked us to use the 0 % API. if i would have got email alert on promotion expiry, I would have paid on the same day. 

I had reached out to TD Bank customer service and asked them to reduce the interest on only balance amount which I am supposed to pay. I got response from TD bank that {$1800.00} interest is correct as per the terms. 

Now I have paid all the interests with XXXX balance to prevent accrual of the over interest again. 

I am raising this to consumer protection to address this over interest charged on full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: WV

Complaint narrative:
My car was repossessed by Kia finance without formal written notice as required by WV state law. I was informed by phone and was told that if I paid {$510.00} it would be placed on hold and that it was acceptable to make payments every two weeks, in accordance with my pay schedule, until I was caught up. I was informed on the day it was repossessed that the hold was only for seven days. So the first representative fraudulently misinformed me. Also as I tried to work out an arrangement with them at the time of repossession the representative on the phone disconnected the call.

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 2022-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a mail from Citi that on XX/XX/2022, Citi bank closed all my accounts without providing any reason. Not long after, I called the number that was provided in the notification trying to understand why and maybe fix the issue. The Citi bank representative couldn't provide any reason, the decision is permanent and said another mail explaining why will be sent to you in XXXX days. But i haven't received anything since. I also ask when I can have my money back as I have {$75000.00} in the Citi Priority saving account. The representative didn't have an answer either. I have also tried to log into my account, but Citi has blocked my access, so I can not view or access everything such as bank statements. 
Now I am wondering if Citi is going to return my deposit back to me. It is a lot of money and it is my money.

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