vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was not properly informed of the mechanics, fees, interest on the plan. I was not aware that what they were and that the automatic charge was just the minimum payment. 

I can't find any signed documents that I read before and any calls where all of these were explained to me. 

I can't even access the online information after having called the bank.

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 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
In 2016 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in the hospital for 3 weeks and was XXXX for a few months. I had medicaid. These debts were supposed to be paid by Medicaid. In XXXX I called medicaid with Americollect and medicaid verified I had coverage but that they wouldnt pay as its over a year old. XXXX XXXX recognizes they made a mistake and said they would remove it from my credit but they have not yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
XXXX bank sold my loan to Citizens Bank. XXXX failed to change my address and transfer my accounts and direct deposits to Citizens bank. 
Citizens failed to communicate the problem with me and payments where made on time on XXXX, but Citizens is lacking of technology to catch that on file and fraudulently send a report about late payments inwhich XXXX had them. Payments were made on time and still they didn't reported them as pay in my credit history. I want the Bank to removed those late fee payment entering so my history goes back to 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute contesting the validity of the bankruptcy being reported on my Credit Report. I have challenged the accuracy of the reporting that it is inaccurate, which it is, and to have it removed from my 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 explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Several violations are being broken and i tried to dispute a couple of times please help get these accounts removed as it is hurting my report by not reporting 100 % and should not be on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX  : XXXX Misleading false reporting unverified/inaccurate date last active and date open list XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXXXXXX : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I had a door installed by XXXX XXXX it was not done correctly. In XXXX of XXXX I files a dispute with my credit card company Comenity Bank ( All Rewards Mastercard ). Also in XXXX of XXXX I file an aditional dispute with XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, PA over a gift card I mistakenly purchased between two stores with similarly sounding names and there were no rules posted prior the sale regarding any return or exchange policy. In both instances I exhausted all avenues with the merchant. In filing the dispute Comenity Bank insists that it be done in writing through the mail, not online or by phone. Within both of these letters XXXX gave written permission to allow me, XXXX, to speak with them regarding this card in which I am an authorized user. We got some responses but no resolution. They acknowledged receiving our letters but would not acknowledge the permission to allow me to talk to them. They said it had to be done verbally. We found it hypocritical that I could use the charge but couldn't speak to it. We also found it hypocritical that they needed the dispute in writing but wouldn't acknowledge a written authorization from XXXX. 
Bottom line, they wouldn't allow me to help them resolve this and they are way beyond they own limit of 90 days to resolve the two disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 closed the XXXX XXXX XXXX account on XXXX XXXX due to they were billing me for a card that I no longer had use for and increased my limit without my consent. I have disputed this several times and they would remove the payment history but every month they would report I'm behind on my payments for a closed account. I have contacted them several times and nothing still hasn't been done on their behalf. My score has dropped over XXXX points due to them reporting and the account is closed. They have lied since XXXX stating they were sending a check for the amount refunded and then also stated they would add it too the prepaid account that I had with them none of that was true. Have been having issues with them since last year and they need to be shutdown for this type of issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
Rushmore Loan Management closed and services my refinance through XXXX XXXX XXXX. They were XXXX days delinquent in filing the previous loan closure and by XXXX state law required to pay me penalties. They did not pay full penalties and further delayed not only the filing of title and loan closure, but also caused delays in my HELOC application as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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:
n accordance with the Fair Credit Reporting Act XXXX 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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX ; I received a letter from XXXX XXXX stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. 
The account in question is listed below : Capital One 360 account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 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 2022-06-21 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  : XXXXhas 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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Back on XX/XX/2022 Huntington Bank had closed my 2 accounts I had with them. In 1 of the accounts I had a positive balance of {$1400.00}. I have not received my {$1400.00} check that they have said numerous times they have sent out. On one of the occasions that I have talked to them they told me that they had did a stop payment on the check and said the reason was that I didn't want it. I NEVER once said that I didn't want my money. I am now getting evicted cause I can't pay my rent because of Huntington Bank not sending me the {$1400.00} I still had in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
On XX/XX/2022 Sunrise Credit Services placed a collections debt on my credit report, I have never received anything in the mail or have gotten any calls regarding this debt and for them to just up and put this collection on my credit report is very upsetting. I would like for Sunrise Credit Service to please Validate this Debt with proof of any documents that they may have, the company they're stating that I owe I'm currently still a valued customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX Account Number : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 XXXX - TOTAL VISA : XXXXhas 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 2022-06-21 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:
On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX XXXX courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Transunion and LCI also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm filing this complaint now because I've discovered Equifax is not following the GLBA ( GRAMM-LEACH-BLILEY FINANCIAL PROTECTION ACT ). Equifax is also violating my right to privacy and the FCRA ( 15 USC 6801 and 1681n ).

I am aware that without my lawful consent, my nonpublic personal information ( transactions such as negative information ) should not have been disclosed to a nonaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Greetings, In accordance with the Fair Credit Reporting act XXXX following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX : XXXX - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - FXXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-21 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 XXXXXXXX XXXX : XXXXhas 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 2022-06-21 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 with the Fair Credit Reporter Act, 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 your 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
Consumer complaint received 2022-06-21 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 with the Fair Credit Reporter Act, 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 your account without my written instruction

Company response to consumer: Closed with explanation