vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX . This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with XXXX ( XXXX ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Equifax DO NOT PLAY THEIR GAME! XXXX is probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Equifax, update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning!! As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too ; I have proof of everything I say. Again update my credit history to how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything nor anybody on this earth and the universe except GOD and HE is by my side!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
I settled with XXXX XXXX on a debt which I dutifully paid for a year. Gamache and Myers tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with XXXX. I was represented by a lawyer who made this agreement, when Gamache and Myers contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call G & M to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # 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

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 2023-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Accounts to be deleted : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/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 2023-05-28 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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My problem is with Bank of America. I have filed a complaint with them, and my claim number is XXXX. I have complained to OCC and my claim number with them is : XXXX. I filed a complaint with my local police department, XXXX XXXX  in XXXX, to XXXX XXXX. The file number with the police XXXX is XXXX. The address of the XXXX is XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX The detective'snumber is XXXX. 
My complaint is that my credit card was charged {$2000.00} and {$500.00} respectively on XX/XX/XXXX and I noticed the charges on XX/XX/XXXX. The bank has not sent the new card. They sent a replacement cardthat now expires XXXX. This is the second time that I have had a serious problem with Bank of America. A few months ago, one of my checks was laundered and cashed in Bank of America. The check was for over {$6000.00}. It was very hard to get closure. My other bank, on which the check was drawn, made things right.

Please look into this bank 's practices. Please help me.

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 2023-05-28 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
There are a lot of credit that isn't mine I dispute it but it's still there I tried to explain to them it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2023 I tried numbers times to make payments on Capital one on their web page, it would not take my payment on their web site. Tried calling them waited long time. When findly got through to talk with live person instead of their computer. Just pass there XXXX XXXX cut off time to make payment. I tried to explain I tried to make payment on their web site, their web site not working proper. They State they could not help me with their late fee because it pass XXXX XXXX ask supervisor she said same thing. Now I am charge {$37.00} they done this in pass amounted to XXXX in pass two years. I have completed about this in pass one time refined their late fee, now they would not. I tried three time to make this payment before their XXXX XXXX cut off time XXXX XXXX eastern time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit bureaus are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus co n't have no written permission According to 15 USC 1681s-2 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 the information is inaccurate. 
B ) Reporting information after notice and confirmation of errors.

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 2023-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a 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.

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.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX - {$12000.00} owed after car was repossessed XXXX - XXXX - {$1000.00} after car was totaled settlement was made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 Experian XXXX responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc : XXXX cc : AG Office

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 2023-05-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

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 2023-05-28 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, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

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 2023-05-28 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: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
Reporting late payments during a pandemic calls in to make payment arrangements during pandemic. 

Reporting inaccurate information like dates and amounts of whats due on loan.

are violating the Fair Creah Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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

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 2023-05-28 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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # 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

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 2023-05-28 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
companies or banks failed to inform me before using my informations while leading to hard inquiries

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