vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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:
n 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
n 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2022-05-14 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: NJ

Complaint narrative:
n 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 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 2022-05-14 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: NJ

Complaint narrative:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.

15 USc 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

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 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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX Bank to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX Bank business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-05-14 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 


I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I see a number of inquiries on my credit report for XXXX, Experian, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the XXXX market. I need this inquiry to remove from the credit bureau.

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 2022-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
XX/XX/18 various amounts of request payment appear on my credit report with Voss & Klein in the amounts of {$2600.00}, {$5200.00} & {$6100.00}. I have reported to this company this was fraud over three times I have disputed this now this week I received an email with someone else 's driver license and filled out paperwork with an unknown signature that is not mines from Voss & Klein. I replied that the information sent to me is definitely a hippa violation and that it was fraud. Since then I spoke with the XXXX and was told to send in certain information of mine verifying my identity and I placed a freeze on all of Credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Fraud, identity fraud. School has closed school loans

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 2022-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST
State: MD

Complaint narrative:
I sent bank of the west and check from my insurance company it was more than the payoffs was so they have lost the check the supervisor and manager don't even care the check is lost they don't even care they are cheating me out off a lot of money they tell me that there is a fee for the camper getting repossessed than never happen but I got no money back I sent them extra money on the loan of 84, dollars they don't know were that money is I have 11 months on the loan it is payed in full now they tell me I owe them 12-13 payments I should of got a discount on the interest but that didn't happen the check was in the computer as received XX/XX/XXXX I should of gotten a check for over XXXX dollars back the check was made out to XXXX XXXX and bank of the west I have not got nothing back plus my payments are due on the XXXX of every month will a 6 day window they said I was last 29-35 times which is incorrect and they charged me late fee

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 2022-05-14 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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.

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 2022-05-14 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:
n 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: PA

Complaint narrative:
When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquiry is from XXXX XXXX XXXX XXXXThe unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXX bank opened XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.

15 USc 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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 — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My bank account was Hack on XX/XX/XXXX or XXXX they drain my account, plus they took out loans, and credit card avance, on my credit card. we went to the Branch office to straight it out, they said that eveything looks good I got my money back, But on my credit report they say I still own XXXX dollars. I did not open a loan account you can look and see that I didn't sign any kind of loan papers. we do not deal with PNC anymore our accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CA

Complaint narrative:
On XX/XX/2022, I recognized there were XXXX accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These XXXX accounts totaled a balanced of about {$400.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these XXXX reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these XXXX accounts on my credit report to affect my credit score and reputation.

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 2022-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I previously had three savings accounts that were with XXXX, but XXXX was bought by XXXX and my accounts were converted to Citizens. The accounts were then set up on a weekly withdraw from another bank, so that I could build up my savings, but unfortunately XXXX never communicated to me that they would be taking my savings and applying it to a previous debt with them, which was deception and fraudulent because : 1 ) In 2016 I filed Bankruptcy with the Florida XXXX XXXX XXXX XXXX ( case number XXXX, and it was approved by the courts, before it was approved, Citizens was invited to attend the meeting of creditors, but didn't show up, nor did they offer any objections, none of the creditors objected. At this point, Citizens have violated my rights under XXXX XXXX and in addition to taking all the assets from my three accounts with them, they also forced me to pay {$36.00} to XXXX XXXX  to block them from taking additional funds, after I spent nearly two hours on the phone with their reps getting no where fast. I appeal to the Consumer Protection Bureau to rectify this matter, and to also prosecute XXXX XXXX  for violating my rights under XXXX XXXX, in addition, XXXX XXXX XXXX the CEO of Citizens should be charged with enabling fraud, it's under his leadership that Citizens has overstepped their boundaries and fraudulently taken funds that should not have been taken due to the XXXX XXXX filing. In 2016, XXXX had the opportunity to challenge my bankruptcy hearing, they choose not to attend, that is not my burden. I want all funds returned to me by check, I want to be reimbursed for the {$36.00} from XXXX that I had to pay because their Customer Service refused to close the accounts. In addition, I believe XXXX XXXX XXXX should be charged with fraud, he is the leader of this shady operation, and the buck stops at the top. I consulted with my lawyer from the bankruptcy, XXXX XXXX, he said what Citizens did was an infringement on my rights under XXXX XXXX. I expect either the CPFB, or FDC to fine Citizens for this action. I want my money back, and I dont want to deal with their incompetent Customer Service . It's time to lock crooks like XXXX XXXX up, they have ne regards for the laws of the country and do as they please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: UT

Complaint narrative:
I had a Discover XXXX checking account for 2 years. All of sudden my account was closed without any explanation. I have a balance of over {$10000.00} which they stated they could issue a check for in 60-90 days. Ive tried to resolve the issue by offering to provide any information but its been unsuccessful. They are making feel like I did something wrong when I havent.

Company response to consumer: Closed with explanation