vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: MS

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX, The Bank XXXX XXXX Visa XXXX, The Bank Of XXXX XXXX XXXX, XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MS

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 BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This medical bill was sent to a third party collection agency without my permission or signed consent to share peronal information.The collection agency is ACCOUNT RESOLUTION SERVI. The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  During the pandemic I wasn't able to get home due to the freight demand across the country. I used my cellphone to set up autopay on my Kohls credit card. I noticed after some weeks went by that the payment never came out of my bank account so I would make the payment and check my autopay and it wouldn't be scheduled I'm my account. This happened several times. Due to the Kohls website not storing my autopay preferences Kohls put late payments on my credit report. Once I was able to get home and to a computer I set my autopay again and it worked finally. But it was too late since the initial attempts from my phone didn't work. I wrote Kohls and asked them for a goodwill gesture in removing the late payments. I never even received a reply from Kohls. I feel this is unfair since their system doesn't work from my cellphone and they don't notify you that it doesn't work. Here I am driving all around the country during a pandemic trying to get supplies distributed and Kohls is dinging me for some petty payments that they received right away and wouldn't have been late if not for their system not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated.

15 USC 1681 i have the right to privacy and did not give ( XXXX, XXXX, & tranunion to furnish these accounts. 

Reporting inaccuracy reporting Attachment proofs for all accounts Dept of educationXXXX amount {$1800.00} Is reporting a late payment on XXXX This account is updated /exceptional payment history on all other accounts Please investigate Update or delete XXXX amount {$3200.00} Reporting inaccurate information Please investigate send documents Update or delete XXXX XXXX XXXX XXXX XXXX$890.00} Reporting inaccurate on XXXXXXXX XXXX XXXXXXXX Investigate account inaccuracy Need final bill and sign agreement request Update or delete XXXX XXXX XXXX amount {$2100.00} Reporting inaccurate information on XXXX & XXXX Please investigate send final bill and sign agreement request Update or delete XXXX XXXX  Reporting inaccurate on all three bureaus please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXXXXXX XXXX XXXX on all three bureaus Please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX Account reporting inaccurate information Payments Please investigate this account Send any signed agreement from company Update or delete Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
After getting an XXXX account, I found that on XX/XX/XXXX Bank of America ran a hard inquiry without my consent. It will impact my XXXX XXXX until XX/XX/XXXX. I have tried to reach out to have it removed without getting any response.

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 2023-01-02 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act Santander Consumer USA Inc. # 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 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 non-monetary relief
Consumer complaint received 2023-01-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX which was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I have several late payments that are not suppose to be on my credit report according to XXXX XXXX XXXX under exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-01-02 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on XXXX  occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since 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 2023-01-02 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act these XXXX XXXX  depreciates my value. 

I demand they be removed. This includes : 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 700CRXXXX  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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act these XXXX  accounts depreciates my value. 

I demand they be removed. This includes : XXXX XXXX XXXX XXXX CAPITAL ONE 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Had to change my ATM card because someone was using it. My checking account someone was steeling money from my huntington bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I got a loan from Wells Fargo about XXXX XXXX XXXX and it was supposed to be paid off this XXXX, Wells Fargo is still saying I owe roughly XXXX on the loan and I have made every payment and have used approx XXXX deferments so at the latest it should be paid off by the end of the XXXX I believe my payments have not been applied to my loan and Ive been charged illegal fees and would like this matter investigated

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 2023-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The orginal debt was sold to a third party without a written and signed consent to do so. The collection agency is XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: CA

Complaint narrative:
About a month ago I got a text message from TrueAccord " A debt collector ''. It stated that my " account '' had been placed with them. 
This text started showing up at least once a day. 
I replied back to please " stop '' as I had no clue what account it was pointing to and it was basically an autogenerated text that they had put me in on the list to recieve. I have never heard of them so this could be fishing or scamming as far as I am concerned. 
After asking replying for no more texts and the reason I am filing this complaint is this... 
XXXX morning my wife, son, his new family and our XXXX XXXX XXXX grand daughter were sharing breakfast and preparing to watch our baby open her gifts. As we gathered my phone went off and I figured it was my XXXX, XXXX, or one of my XXXX. 
It wasn't, it was TrueAccord " A debt collector ''. 
I never asked to recieve text messages, I asked for them to be stopped, and yet my special moment was interrupted by them. 
Now, I am not so concerned about myself as I have more than enough to be grateful for, but for someone who is having troubles in life around the holidays, to be contacted by " A debt collector '' is just wrong and rubbing things in someones face regardless of their monetary situation. 
Please warn these XXXX  or something. No one deserves that level of disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted a complaint via CFPB before ( CFPB Ref No : XXXX ). Amex replied, returned me {$200.00} as requested on XX/XX/2022. However, on XXXX XXXX, Amex charge me back {$190.00} for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I have 2 accounts with Aspire, a subsidiary of XXXX  XXXX XXXXFortiva ending in XXXX and XXXX. On XX/XX/3022 I made 2 payments {$39.00} for account ending in XXXX {$40.00}. Despite my best efforts to resolve this problem Aspire staunchly maintains the payment for XXXX was reversed on XX/XX/2022. I sent them bank statements for XXXX proving the money was taken out of my account. Not to take my word for it, I conferenced my bank on one of many calls and they verified the payment went through and there was no reversal. Ive contacted Aspire approximately 7 times- and I spoke with a supervisor with the same results. I have attached my bank statements as proof. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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, has violated my rights. 
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 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NH

Complaint narrative:
Before the end of XXXX, I set up a payment arrangement to start paying back my debt with a collector 'Radius global ' who have my XXXX XXXX credit card debt. Upon realizing I would not make the money to pay that amount I went back online to edit the payment arrangement and the agreed upon settlement was no longer accessible and the website indicated a FULL original amount due, when I had accepted a letter and agreed upon a far less amount. I then called and spoke with them on XX/XX/XXXX at XXXXXXXX XXXX a few days after making the arrangment to inform them I need to update the payment and post it to a later date when I would receive my bonus. The man on the phone indicated that was fine and I would not be charged on this pay day ( XX/XX/XXXX ) however they did in fact charge my debit card even though I had advised them not to and that I would not have the funds available. They mislead me on the phone when I called and told me they would change the payment arrangment and also confirmed I was paying on a settlement amount but they have in fact removed that offer and are charging me a much higher total.

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 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/22, I paid off my Apple Card balance of {$1600.00}. However, for some reason the default bank account was a very old, closed, defunct account. I recognized this immediately and contacted the credit card issuer ( Apple Card/Goldman Sachs ) to cancel the payment. I was told the payment simply would not go through. The same XXXX the payment was declined as expected, so I paid the balance ( {$1600.00} plus some additional charges I had accrued ) of {$1700.00} using the correct bank account, the same day ( XX/XX/22 ). 

This payment posted correctly and my balance was paid off. However, a XXXX XXXX later on XX/XX/22, I was given a " XXXX XXXX '' on my Apple Card for {$1600.00}. I have chatted with more than XXXX specialists with Goldman Sachs/Apple Card at this point, and they generally told me it is an error and they would file a dispute. However, the dispute has either been rejected or not resolved for the past few weeks. I got a call from a XXXX today who stated that for some reason, they refunded the declined {$1600.00} to the defunct/closed bank account, and they issued the XXXX XXXX because I somehow owe this money despite never having touched that money ( which is impossible since the bank account was closed ). I have checked my active bank accounts and haven't found any evidence of this " refund. '' The XXXX told me that I would have to call this bank ( which I no longer have any active accounts or relationship with ) and ask them to somehow provide proof that a nonexistent bank account is indeed nonexistent. Unfortunately, I can not get through their automated systems and when I log in to the bank 's site, it shows that I have no active accounts with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 state 's 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.

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 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the pass 3 months, someone has gotten into my checking account. Every time the bank sends me a new debit card, the thieves already have the new number and charges on it.

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 monetary relief