vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: AL

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

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AL

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.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am writing you to dispute this charge. When we canceled XXXX  service it balance was XXXX. After our account was closed and all equipment was returned they stated we old {$180.00} because of and box we needed to get cable access up stairs. They stated because we got that box our contract was renewed for an additional 18 months and that we canceled service before the 18 month period ended. Thats ridiculous and they need to stop calling us. Period. This is my number, XXXX. They are calling my father in law who is XXXX and does not understand and can bearly hear what they are say. Please call me directly concerning this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax wrote me stated they are unable to verify my identity. All the right information except the last employer before I was unemployed since 2016 and that employer is not on the Equifax file. They state they are unable to identify but the correct information is in the system. I believe someone is trying to use my information to do something fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2021, a claim was processed from XXXX XXXX XXXX. XXXX XXXX claim # XXXX. Amount billed was {$1600.00} XXXX paid {$1500.00} and XXXX XXXX paid {$370.00} The statement shows PATIENT RESPONSIBIITY {$0.00} I keep getting letters from Credence debt collectors that we owe {$62.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
So I recent pull my credit report through annual credit and I noticed that Toyota Motor credit is reporting an alleged late payment on my credit report for XXXX XXXX I have never been late on this account so I dont understand why Im getting hit with this erroneous error. I have already dispute this information with the 3 credit bureaus and was informed that Toyota Motor Credit is report this item. I have paid off this this car from last year and I never missed any payments. I am in the process of getting a house and because of this late payment showing on my credit report by Toyota, I can not get approved. I have never missed a payment with any of my current accounts. I pride myself for that. This late payment should be remove and updated to Paid/never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 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 2022-08-15 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:
1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 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 2022-08-15 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:
n accordance with the Fair Credit Reporting Act Convergent Accounts names XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 explanation
Consumer complaint received 2022-08-15 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:
n accordance with the Fair Credit Reporting Act Convergent Accounts names XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I incurred into overdraft, and the bank has this practice where they deny payment, and still charges, numerous times. I complained XXXX a few months ago, and got to an agreemtn I had to pay a small fee. I did, however, received a letter from a collection agency, I am affraid this in addition of being an issue for money I do not owe, has negative impact on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent out dispute letter XX/XX/2022 and i have not received a 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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I got an email from a buyer asking to purchase an item off of me for {$200.00}. He used Zelle and sent a fake email pretending to be Zelle and said I had to send {$300.00} in order to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: MS

Complaint narrative:
DEBT COLLECTOR USED ROBO DIALER TO CONTACT ME ABOUT A DEBT NOT BELONGING TO MYSELF. 
WHEN I ASK WHY THEY USED A ROBO DIALER I WAS TOLD IT WAS COMMON PRACTICE, I REPLIED THAT The Telephone Consumer Protection Act ( TCPA ) prohibits robocalls made to cell phones without a user 's consent.THAT AS OF XXXX THUS YEAR THE U S COURT SYSTEM REMOVED DEBT COLLECTION EXCEPTIONS TO THE TCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing this grievance as I completed the terms to my lease with the purchase of a new Toyota vehicle, with all payments made on time. Im frustrated at the fact I am being held hostage to a missed payment for XX/XX/2021 when I did not have possession of the vehicle at that time as it was turned in XX/XX/2021. Due to erroneous reporting to the bureaus the payment history needs to be corrected poste haste to restore the perfect payment history on this loan. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo sent me a bunch of confirmation emails thanking me for creating my account on XX/XX/2022. I never tried to open an account with Wells Fargo, and have never had any kind of business relationship with them. I called the bank and they instructed me that they were probably phishing emails and gave me an address to forward them to so their phishing team could look at them. It was not phishing, they had in fact opened an account in my name. I was able to get them to close the account, but it seems to me that the process they use to verify identity when opening a new account is severely lacking. Given their history of XXXX when opening accounts, I think there needs to be a thorough review of their account creation procedure, as it is now far too easy for someone to open an account in someone else 's name.

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 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid my credit card off early with fees back in XXXX. 
bank penalty charges are being applied to my account due to the fact I paid my credit card off early penalties of cash withdrawal limits was not outline on my statement when I paid off the entire amount Therefore, I am being penaltized for paying the card off early using their website that had assist the amount that need to be paid in full XX/XX/2022. 
XXXX, refuse to let us speak to someone about the account on XX/XX/2022 at XXXX eastern standard time We want to work with Bank of America but they refuse to work with us.

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
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX Account # : XXXX XXXX & XXXX XXXXXXXX XXXX Account # : 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.

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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I met someone on a dating app called XXXX and quickly started to get to know the person. We started to talk about our future and she mentioned that she would help me earn money through investing my current saved funds. She convinced me to wire money from my bank to my coinbase wallet and eventually to a trading account through this site : https : //www.coinbasetvte.net/ # /. I invested over XXXX $ into this and she helped me to make a " profit '' of XXXX for a total of XXXX. When I tried to access the money, the trading account " froze '' my funds and would not let release my money. They first convinced me to pay XXXX $ in " handling fees '', once this was paid, they claimed that I need to pay taxes on my profits with an additional XXXX XXXX Once I paid these taxes, they then went on to say that I need to pay a XXXX $ late fee for not paying the taxes on time. Even after all of this, they required me to pay a XXXX $ deposit if I wanted to access my funds. Once I paid the deposit, both the person I met as well as the trading site provided above stopped replying to my inquiries. I now have XXXX $ that I am unable to access. All of my wire transfers were set to buy XXXX and pay this trading account to the following address : XXXX. I am now at a significant financial loss with now way to recover any of the money that I have invested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: DISCOVER BANK
State: GA

Complaint narrative:
My credit card has been used repeatedly without my permission. Fraudulent charges have come up on my account. People call the house claiming to be representatives that are going help resolve the situation but nothing changes and now one account has gone to collection. Ruining my credit, reputation. And way I supplement my income. I am a XXXX XXXX XXXX man that does travel outside of Georgia. I do mot charge XXXX, dinners, travel hotels apartments. I only made a little over {$17000.00}. I have never been to California. I want this fraud to stop and persons caught. I want this account closed. Reissue another card that cant be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation