vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 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. 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 Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX scammed by fake landlord XXXX XXXX and lawyer XXXX XXXX Convinced me of an available rental and third party local involvement that I later concluded to be untrue. {$730.00} paid between two accountants {$150.00} as a pet deposit, {$80.00} applicant fee, {$500.00} for half of initial deposit and expecting a total of {$2200.00} in first month rent. XXXX XXXX provided fake phone numbers as well as names of local areas. Phone numbers include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
called XXXX and let them know they ran my Equifax credit XXXX times on multiple days on XXXX different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to XXXX different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against XXXX XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if XXXX inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in XXXX days.It is now going on XXXX months XXXX keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my Equifax credit report and lawsuit that was XXXX XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like XXXX is picking on me. Everytme I call in XXXX staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.XXXX is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in XXXX office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating XXXX is verifying inquiries are accurate when they not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 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 non-monetary relief
Consumer complaint received 2023-07-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 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 2023-07-03 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: NV

Complaint narrative:
This will be my last Complaint to inform the Experian Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove INQUIRIES that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, I have no choice but to pursue legal action. I need the following INQUIRIES deleted as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
credit control sent me a letter on a debt i do not owe!! please stop contact me about a debt i do not owe through phone, text, mail or any type of communication ty!!

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 2023-07-04 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: TX

Complaint narrative:
I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The XXXX Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : XXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-07-04 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: TX

Complaint narrative:
I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The XXXX Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : XXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$420.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XX/XX/XXXX {$650.00} XXXX  XXXX XX/XX/XXXX {$640.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-07-04 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-04 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX I leased 2 vehicles from XXXX Hyundai that were suppose to have monthly payments of {$370.00} each. My spouse came with me as I needed his signature for credit purposes. We were there a very long time and when we were about to sign for the leases the leasing manger started talking about a Tire and Wheel Protection Plan that he highly recommends because XXXX XXXX is famous for nails in tires etc ...., I initially said no when he told us the additional amount. He was very persistant and came back with a lower price for this plan. Due to the amount of time already spent in the dealership and my husband getting more upset with me, I said " yeah go ahead put it on ''. my monthly payments then went up to {$390.00} and {$390.00}. I thought I could cancel this at any time and just make my normal care payments, not realizing this was part of the Lease Agreement incorporated into the monthly payment. On or about XXXX of XXXX, I called the dealership and asked how to cancel the plan. I was told " oh we can cancel it, but you still have to make the same payments and at the end of the lease payments number XXXX & XXXX will be paid for because you would have an overage. '' I told them that is not what I wanted to do and was told there is nothing that can be done. I called Hyundai Motor Finance several times beginning XXXX and got bounced around to numerous different people and departments and not one person could answer the question I was asking. I was told that they didn't even see a Tire Protection Plan on the agreement but there may be some way the computer system divides the money. I finally this past week was able to get someone that informed me there is absolutely nothing Hyundai Motor Finance can do and if I just make the {$370.00} payments on both vehicles that they would mark me as being late with both payments every month. I do not want my husbands credit to be ruined as it already went down because XXXX Hyundai did 2 credit checks on him which was not necessary when they already had one and could have used it towards the other vehicle that day. Anyway, I DO NOT NEED THIS TIRE/WHEEL PROTECTION CONTRACT NOR DID I WANT IT IN THE FIRST PLACE BUT WAS FORCED INTO IT BY THE LEASING SALES MANAGER AT XXXX HYUNDAI . I just want to make my vehicle payments which should be {$370.00} each.

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 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I keep getting calls from diversified adjustment service because of XXXXXXXX XXXX that i still haven't paid dept as to {$52.00} and its telling me that i can pay it online from my account from securus technologies but that's the thing i don't have money and my ex knows i don't have money and i didn't even know that i had to pay for every single call or that i even knew that i had a account. I just want it to go away i can't really pay for it and i don't know what to do. I just want the calls and the letters to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously complained about Bank of America charging a late fee on my business credit card account and got a response from them. What is saw in the response is simply restating the T & Cs of each of the accounts which legitimize the fees but does not address the root cause of how Bank of America makes it very hard to set up auto payments to credit cards to payoff statement balances. The response itself shows that to set up auto payments to payoff statement balances I need to use a completely different process called e-bills which is different from normal bill payment. On top of late fees and checking account fees, I recently got hit by another cash advance fee of {$100.00}. Because of the confusion between bill payment and e-bills that bank of america has I paid the bill twice and my account was overpaid for more than a month and bank of america never bothered to return my money. I used the transfer feature to move my own money ( the overpaid amount ) to my checking account and I was charged a {$100.00} of cash advance fees ( which was not disclosed when I was doing the transfer ). Note that the balance on the credit card account after the transfer was XXXX proving that I did not take any money from bank of america when I did this transfer and it infact was my own money I transferred back. I need to atleast get this money returned to me. I have called the customer service and visited the branch but was not successful in reversing the charges.

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