vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

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 an account without my written instructions. 

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 an account without my written instructions. 

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and 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. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have filed multiple dispute complaints on fraudulent transactions and all disputes have been denied without providing no documentation as to the investigation or outcome of the decision

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have filed multiple dispute complaints on fraudulent transactions and all disputes have been denied without providing no documentation as to the investigation or outcome of the decision

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 2022-04-16 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I have called my student loan institute several times in regards to my loan and needing information to access my case in regards to payment and other information. I was given incorrect student loan ID number twice and not once was I sent any type of letter or email with correct information or apology and still have not been able to do so. 
I have called several numbers as I was trying to make a payment more than once and was not helped in the manner I should have been to properly access my account. 
Also I have had to file reports for identify theft and was trying to do so with my student loan institution and told them I was an identity theft victim and again got nowhere and no help. In still in the dark as to where my payments stand it my current status of my loan as I am struggling right now and not sure what my options are to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I fell into a hardship during covid and was out of work with no money then unemployment for a little bit and now I am working since XX/XX/2021 and I just got a better job. I have applied twice for a loan modification and was told I was denied because I had a loan modification right before the pandemic but wasnt able to keep up with it when I fell into hardship. I made {$2500.00} a month after taxes and only have about {$500.00} in bills in each month. I can definitely afford to pay. There is no reason they shouldnt give me a loan modification again. I dont want to lose my house. Its me and my son here and its our home. I can afford to so I dont know why they are rejecting me and Im scared Im going to be XXXX  soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I got a letter stating that I have a court date for a judgement from a debt collector Metro Portfolio Inc. who is suing me for a very old debt from a credit card XXXX XXXX XXXX is the original creditor I had when I was in my early XXXX. I am know XXXX XXXX XXXX, so I filled the paperwork saying that the debt was old. We went court on XXXX XXXX and know they are still trying to recover the debt I know there is a statue of limitations on debt collection. Also I always check my credit report and there is nothing on my report about a judgement or any collections account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made several attempts with Experian and I dont know why its so hard for them to understand. 
. XXXX sent me an email to provide to Experian in removing the whole tradeline and or removing the late payment for XX/XX/2021. The email clearly states it, which I have attached.

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 2022-04-16 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX CirXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NJ

Complaint narrative:
Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.

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 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/22 transferred in enough money from one bank account to cover check. Seems it was past a cutoff point and didn't apply until the next day. Had to deal with some emergencies related to a sick cancerous child. 

On XX/XX/22 my check posted but I was charged not one but TWO overdraft fees. A tier 2 overdraft fee in fact.

Called in to see if I can have a courtesy overturn but was advised that they couldn't be reversed for an arbitrary reason. Now I'm concerned with this bank as I've done enough business with them already, including buying a house. What more do they want?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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: NJ

Complaint narrative:
Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NJ

Complaint narrative:
Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.

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 2022-04-16 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: NJ

Complaint narrative:
Credit Bureaus are not reporting monthly credit card payments on time. Payments are not reflecting on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have been working as XXXX XXXX  with Department XXXX XXXX in The XXXX XXXX XXXX in XXXX CA, I have been terminated from my job on XX/XX/2022. When I contacted the XXXX XXXX I told them I want to early terminate my car lease and I want to do so without any penalty as I was in Service as XXXX Civilian. The XXXX company said that I am not covered by this law because I am XXXX Civilian and not considered in XXXX XXXX but I can return my car to the dealer and they take care of the rest and I dont have to worry. Recently the Company sent me a statement that I owe them {$13000.00} as early termination fee. 
1 ) The company never mentioned to me that if I returned my car to the dealer, I will be liable for any amount 2 ) I returned the car in perfect shape abd only had 1800 miles on it 3 ) the dealer himself want to buy the car from me and paid {$21000.00} but I didnt accept as I preferred to return the car to the company 4 ) The value of the car provided from the company is far away from the real value of the car and therefore the amount of XXXX is far away from the reality of the car value. 
5 ) I lost my job as I mentioned earlier and I am unable to pay anything to the company and I consider the value of the returned car should cover all the expenses and I shouldnt owe the company even a {$1.00}. 
6 ) As a previous civilian XXXX I should be protected by the same legislation that protect those in XXXX XXXX 7 ) In my actual situation I am unable to pay anything to the company anyway and as I mentioned earlier the perfect condition of the returned car should cover any additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 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 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 2022-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.

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 2022-04-16 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) Account # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXXXXXX XXXX # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX MD XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX 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 2022-04-16 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 Reporting act XXXX account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX  Account # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX 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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have been a customer with a personal PayPal account for almost a decade without any problems. On their website, they advertised the ability to open a business account for freelancers, and people working 1099 jobs to invoice their clients. I opened a business account, put in all my personal information including personal address, social security, bank account numbers for wire transfers, etc. After putting in all my information, their system said I was a risk because my name appeared on two accounts ( my personal and this new one ) so they will prevent my access to my account and will prevent withdrawal of any funds. I spent weeks going back and forth with customer service who just copy pasted boiler plate. I eventually just wanted the account with all my personal information deleted. I was able to delete my personal account but the site prevented me from accessing and deleting my business account. More emails to the CEO, customer service, the FTC, and even pinged them on social media. They controlled my personal data and would not delete it because I asked them to let me close the account. They would not give me a reason why they are doing this and gave the impression that they have legal rights as a corporation to store my personal data against my will for as long as they want. Funny thing, there are ZERO transactions on the account so they have no basis to hold my data XXXX. Its been months now and my account and personal data is still in their database waiting to be breached and stolen and I have no say in the protection of my personal data as a US citizen. I would never trust PayPal with my personal data especially since I have no way of protecting it, deleting it, nor do they take customer complaints seriously. Absolutely horrible business practices and tremendous violation of consumer rights and privacy laws.

Company response to consumer: Closed with explanation