vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data. please remove all items listed asap.

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 2023-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My legal name is XXXX XXXX . I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from Experian and XXXX. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I don't know why I was charged a {$43.00} charge in XXXX and a subsequent {$2.00} fee in XXXX, 2023

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 2023-03-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This morning at XXXX I was contacted from phone number XXXX. My XXXX caller ID said it is Bank of America. The woman on the line only identified herself as being from the BofA fraud department. She asked if I had opened an online checking account with them in the last few days. I told them no, and that I have never had a checking account with BofA, but my wife has. I asked them how they know it was my info that was entered, and could they tell me the SS # that was entered for the account. They said they were not allowed to give out that info. I complained that they called me saying they had my info and that it had been compromised, and so I have a right to know what info they have on me to verify if it is accurate. They then hung up.

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I tried to use PNC Bill Pay to pay out a required distribution from an estate account. After 2weeks where PNC Guaranteed delivery had not occurred of the payment, I demanded the Bank issue a stop payment on the check they had written and informed them that I would issue a handwritten check to pay out the required distribution, PNC failed to stop payment on the check they had written and instead issued a stop payment on the new check. PNC has refused to refund the fees associated with the payment claiming they have not made an error ( in either not delivering the check they as guaranteed or not stopping payment on the correct check ). I have wasted numerous hours fighting with them and at this point want the fees and my hourly wage reimbursed for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: IL

Complaint narrative:
XX/XX/2021 I contacted Gitmeid Law to help pay off my creditors .I was told that with a small fee they would help me. instead they put me in contact with XXXX XXXX  and i was told that I would only have to pay back the money that was used even thou I did not want any new creditors.Gitmeid law kept {$8400.00} and took the full amount to pay my creditors from XXXX XXXX  which was {$16000.00} .With the interest rate that was calculated at 24 % my debt is now over {$32000.00} plus the money that was paid Gitmeid law my debt has now tripled. Gitmeid law did nothing to help me. Except kept the {$8400.00} that i paid them as thier fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the conduct of XXXXXXXX XXXX XXXX, particularly their website XXXX. I recently encountered a problem where XXXXXXXX XXXX XXXX misreported my payment delinquency despite my best efforts to make a payment before the due date in XX/XX/2022. Unfortunately, their system kept generating error messages, which prevented me from making the payment. 

As a result, I contacted their customer service team on multiple occasions, but to my dismay, I was unable to reach anyone. After several attempts, I was finally able to get through to a customer specialist who assured me that the late payment would not be reported, acknowledging that it was their fault. However, to my surprise, XXXXXXXX XXXX XXXX  still reported the payment delinquency on my credit report, without even informing me, and charged me significant late fees. This has had a devastating impact on my credit score. 

Despite my repeated efforts to contact them and resolve the matter, XXXX XXXX XXXX has been unresponsive and unhelpful. I am at a loss as to what to do, and I fear that my credit score will continue to be negatively impacted if this issue is not resolved quickly. 

I urge you to take this matter seriously and investigate XXXX XXXX XXXX XXXX behavior. I believe they have acted in bad faith and that their conduct has been unfair and deceptive. I would appreciate your assistance in resolving this matter and restoring my credit score to its rightful standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. 
XXXX XXXX Balance : {$560.00} XXXX XXXX  Bankruptcy Discharged XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-03-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-02 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: TX

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. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX & XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifthird Bank will need to talk with IRS as they included nothing about my name and my infos on the check but they took the money out of my account. The copy of check they keep sending me might be the check that they made payment to IRS. 
Also They can not provide me proof of request from IRS for {$7000.00} from my account. 
I have been calling and I met personally with IRS. There is nothng they can find which said Fifthird Bank sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
For approximately one year now I have been receiving several calls/voicemails daily from Kia Finance XXXX The man leaving the voicemails says his name is XXXX with Kia Finance and would like me to return his call. He insisted the message was for XXXX XXXX ( I am not XXXX XXXX. After several unsuccessful attempts at reaching XXXX, I was finally able to get through to who I assumed was a representative and asked to have my number removed from the call list as I am not XXXX XXXX. I stopped receiving calls for about two weeks when I received yet another call from XXXX today ( XX/XX/XXXX ) who now believes I am XXXX. 

The number XXXX calls from is XXXX and the number he leaves for me to call him back at is XXXX. Im getting very fed up with receiving these calls/voicemails. Im not certain if it is a scam or if it is a legitimate Kia Finance representative looking for a customer. I would greatly appreciate the help.

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 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX- XXXX XXXX ) XXXX XXXX- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-03-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are several fraud/ unauthorized accounts listed. I am hereby notifying you that on those dates or similar dates I've listed in the documents I've mailed, I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax consent to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Thaxton Investment Corporation
State: AL

Complaint narrative:
Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

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