vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I had to file XXXX XXXX bankruptcy in XX/XX/XXXX because my husband was terminated from his job and I could not pay all of the bills on my income alone. He applied for Unemployment but was denied. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to COVID-19, and from XX/XX/XXXX - XX/XX/XXXX I had XXXX income due to me having to go on FMLA. I fell off payroll and did not receive a paycheck for months! On XX/XX/XXXX I received a call from Nissan saying they were coming to repossess my cars because my bankruptcy has been dismissed! I had NOT received any notification from the bankruptcy courts nor my attorney stating this. I received a notice from 2 different attorneys for Nissan. I did not know which one was the correct one I needed to contact. However, my bankruptcy attorney stated HE or the bankruptcy courts is ONLY supposed to communicate with all creditors once I hired him to represent me & file my XXXX XXXX, that Nissan was NOT supposed to contact me. I assumed the past due balances were included in my XXXX  XXXX fees, because my payments went from {$140.00} per month to {$400.00}!!! However, I thought my forbearance for financial hardship due to COVID, did not expire until XX/XX/XXXX. I was terminated from my job in XX/XX/XXXX & I applied for Unemployment, while waiting for a hearing date to do an appeal to try to get my job back. My household currently has no income & I need help with my car notes, mortgage, and all other bills. My XXXX  XXXX was converted to a XXXX  XXXX and the case was DISCHARGED in XX/XX/XXXX. I received notification from the bankruptcy court/trustee that a payment was sent to Nissan. However, in XX/XX/XXXX or XX/XX/XXXX XXXX sent a repo company to come get my XXXX. We were in quarantine due to a family member testing positive with COVID, and we also had a death in the family! They did not care and they sent me a paper stating although they repoed the car, I still owe them {$27000.00} ( which is MUCH higher than the blue book value )! My attorney stated the courts released and/or discharged me from ALL of my debts and they were notified. Plus, they received a payment directly from the courts that was not applied towards my loan, and was NOT refunded to me... therefore, because they did NOT give me an option to refinance the car, or pay what was past due, and they immediately came to get the car that I DO NOT owe them ANYTHING! The account is discharged/paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX and XXXX are reporting correct account but EQUIFAX HAVE FAILED TO DO SO I am requesting for my account be added onto my credit report i am sending report from XXXX and XXXX of the account that is not reporting to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a personal credit card with Capital One Bank. I made a credit card payment on XX/XX/22 for {$280.00} from my Capital One checking account. The bank has placed a 26 day hold on my payment. I have no access to credit on my account. I have no ability to pay for food and gas. They should be able to verify that the funds have been withdrawn from my Capital One Checking account since its the same bank. I called the customer service line for 45 minutes. When I finally spoke to a manager he said he does not have the authority to release the 26 day credit card payment hold. I asked him to escalate my complaint to someone else who has the authority and he said there is no one else. He could not provide me with a good reason as to why my payment has a 26 day hold. He just said that the system places a hold because I made multiple payments within a short period of time. This is ludicrous. This is wrong. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. Fifth Third Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX 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 2022-06-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Yes, I made a purchased of a computer from XXXX website, it arrived to where it would not boot up. I tried to return it to the store, thats when I finds out that Ive purchased it though a third party which I didnt know XXXX XXXX third party vendors on their website. XXXX customer service rep at the store told me I had to go to XXXX. I goes to XXXX about XXXX  days later then they told me I needed a returned label. I didnt know how to request a return label, the young lady at the store did the request. So while XXXX waiting on the label from XXXX it came from the third party vendor, XXXX XXXX. When I found the email I printed it and goes back to XXXX. The XXXX clerk told me I had to go XXXX. The company wants to fix it and sent it back at new price cost. I still dont have the computer since XXXX. XXXX wants me to pay for a computer that never work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
On XX/XX/2022 The Credit bureaus stated XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX  account # XXXX and XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # 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 2022-06-05 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
This company appeared out of nowhere. I did not receive any mail or calls from them or XXXX. And this is from 2016. They have various violations on my credit report. From symbols on their letterhead to stating open account. I have enclosed these violations so you can see for yourself. I am stressed out about this stuff because they should know better. If I never would have checked my credit report, I would not have known these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act GRANT & WEBER INC, 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 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 2022-06-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed 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 2022-06-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I've tried contacting XXXX and Equifax about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: DISCOVER BANK
State: LA

Complaint narrative:
A discover card was issued in my name and mailed to me at my address. I did not apply for it and apparently the same individual tried to make a fraudulent bank deposit to the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2018 Comenity Bank agreed to debt relief if I agreed not to pursue legal action against them for debt collection harassment. This was all done through my attorney at the Consumer Rights Law Firm. Comenity Bank has not removed this acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a fraud issue on my Citibank Checking account. Citibank claims that this is a merchant dispute. It is not a merchant dispute over a service or item, it is unauthorized use of my debit card number, fraud. 

I have been lied to consistently by the dispute department telling me that they don't have any information on this and a provisional credit would be issued by the back office. According to the back office on the last CFPB claim, they had already denied the claim as a merchant dispute days ago. They have refused to explain the reason for their decision other than claim this is a merchant dispute which it is not. 

I can not accurate information from this institution and they have substantially damaged my account and relationships with institutions I pay from this account. 

I need to receive credit for the fraud amount that was lost and credit for all the overdraft and penalty fees. 

This behavior is simply egregious and illegal for an FDIC bank. As they stated in their previous response that have all this recorded.

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 2022-06-05 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: FL

Complaint narrative:
On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
I called Opploans that this current was filed under my XXXXXXXX XXXX bankruptcy, I was told that problem would be resolved and changed off my credit report. 
I recently called to check status of this I was informed that nothing has been done. 
This why I am filing a complaint opploan had time to change the status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed 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 2022-06-05 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: NY

Complaint narrative:
There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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 1. XXXX XXXX Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX 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 2022-06-05 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX, Account # XXXX, Address ID # XXXX 2. XXXX Account # XXXX 3. XXXX Account # XXXX 4. WELLS FARGO HOME MORTGAGE 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 2022-06-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 1. XXXX XXXXXXXX XXXX Account # XXXX, Address ID # XXXX 2XXXX XXXX Account # XXXX 3. XXXX Account # XXXX 4. XXXX 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 2022-06-05 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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DPT ED/XXXX  Account # XXXX, DPT ED/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 2022-06-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Act XXXX/XXXX  XXXX  XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

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