vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A. States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have told this company on multiple occasions to dispute the debt. They keep calling me and then talk disparaging to me and on multiple occasions they hang up on me. One rep told me I couldn't pay my bills so she wouldn't talk to me. Other gentleman told me I couldn't dispute or talk to them about the debt until they hit my credit. XXXX has sent this to a XXXX debt collector because they know I've disputed this. This company is the shadiest and refuse to dispute the debt and act professionally.

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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
On XXXX I checked my credit report through XXXX XXXX and I have over {$9000.00} in debt to a combination of XXXX XXXX, XXXX XXXX XXXX, and Account Resolution Services. These all are indicating that they are out of the XXXX XXXX Area, several seem to be d/t medical services provided that I did not receive. The account dates range from XXXX. Of note, my father passed away in XXXX and he did live in the XXXX XXXX area, so it is likely that my information was used for these debts either fraudulently or because I was his next of kin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
EXPERIAN has no respect for the laws. They claim they verified an account and per Metro 2 standards for accuracy they clearly did not investigate this account. The account reporting as XXXX XXXX is reporting late payments in XXXX and XXXX of 2022 however there is no payment history for those dates. I informed EXPERIAN I have never been late on this account. EXPERIAN needs to update the payment history for all dates as paid as ageeed or delete this account immediately due to inaccurate and incomplete reporting.

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 2023-05-03 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: ARS National Services, Inc.
State: NJ

Complaint narrative:
I submitted an opt application to the XXXX platform and do want to use their services. I would like to issue a security freeze within their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Garrison Investment Group
State: OH

Complaint narrative:
Most recently on XX/XX/2023 I received a settlement offer for a large lump sum with Foundation Finance to resolve my loan/account. This was for a rather large lump sum and I replied back to that email requesting other payment plans/options on resolving my account. I work 2nd shift and a lot of 12 hour days, so free time during normal business hours are limited. I did not receive a reply for other amounts/options, so I emailed their account recovery specialist again on XX/XX/2023 asking for payment plans/options to be EMAILED since I do not have a lot of time for phone calls. XX/XX/2023 I had a voicemail/missed call from Foundation Finance after requesting email communication in my email on the XXXX of XXXX. I also had a missed call/voicemail on Monday XX/XX/2023 after requesting EMAIL communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A credit card account from XXXX that had been " charged off '' suddenly appeared on my credit report in XXXX. It was a card that I was legally only an authorized user on, and my ex-husband was the primary. Per our divorce decree, I am not legally or financially responsible for any credit cards ( open or closed ) that I wasn't the primary user on. This card has never appeared on my credit report before, and because it was " charged off '' after him not paying it for the last 2 years, it suddenly appeared on mine. The account has been closed for almost 2 years and was sent to collections. XXXX has said they are unable to remove my name from the account because it has already gone to collections. And I have disputed the account with both XXXX ( it was immediately approved and dropped ) and Equifax ( disputed 3 times and faxed my divorce decree documentation, but they have denied the request to remove the account ). I am trying to apply for a loan, and the fact that this account suddenly appeared instantly dropped my credit score by almost XXXX points, and my loan has been denied due to this " charge off '' account. I desperately need this card to be removed as soon as possible from the Equifax credit report, as I have full custody of my XXXX children and receive no child support from their father. If removed, I would be able to get a loan approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc.
State: CT

Complaint narrative:
I moved from XXXX to CT in XXXX of XXXX. In XXXX of XXXX, I was informed by NY that I needed to surrender my plates and register car in CT, as I was now a CT resident with a CT license. I immediately contacted Tesla about this matter and requested the documents necessary to register the vehicle in CT. However, they have since oscillated between responding to me apologetically saying they will send documents right away to never following up and downright ignoring me. I have called them every month for nearly a year and emailed every department they have or recommended. I have gone and spoken to the dealerships in XXXX, CT and XXXX XXXX, NY, and none said they could offer any help. I have corresponded by phone and by email with Tesla Legal, Tesla Finance, Tesla Payment Resolutions, Tesla Lease Returns to try and resolve this matter and all have either offered no help or not responded- all I've needed was a signature on a POA agreement, extremely standard, to register the vehicle. The vehicle as such has been rendered illegal to drive and I was informed by the police and NY state that there's a motion to impound the vehicle. My lease is up in XXXX and I reached out to an attorney to help me gain a response. When none came, he had me draft up a termination letter ( attached ) and came with me to return the vehicle to the Tesla dealership I leased from in XXXX XXXX to renounce ownership and terminate the agreement. The people there refused to accept the car and kept us waiting for over an hour as they " contacted '' higher management, to which they said they could not get through to. They then called the police to get us to leave the dealership as we simply waited there and said we were renouncing ownership. The police came and made them give us an email to reach out to - Tesla Legal. To this date, we still have not heard back from them. There is no one left for us to reach out to to resolve this matter, so we are now reaching out here for government intervention. Given the car has been made illegal to drive due to them, I'm seeking reimbursement for the entire lease or at least last year of the lease and any fiduciary responsibilities related to the car and that they come pick up and take back the vehicle. The lease is done in XXXX and the only messages I receive at this point are automated lease return emails that require me to pay all sorts of fees and the remainder of the lease, which I have since stopped doing for these last two months ( XXXX and XXXX next ). All I was seeking was a standard legal document allowing me to legally register the vehicle and drive on the road. I was simply seeking to follow the law and this company has made that impossible and dragged its feet on that in such an unprofessional manner that the lease is now up and there is no time left to properly resolve the matter, leaving the burden squarely on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MD

Complaint narrative:
Dear Equifax, I am writing to dispute the XXXX card account that is listed on my credit report. I believe that this account is the result of identity theft and that it does not accurately reflect my credit history. Therefore, I am requesting that this account be removed from my credit report immediately. 
Upon reviewing my credit report, I noticed that the XXXX card account is listed with a balance of {$1900.00}, which I believe is the result of fraudulent activity. I have never opened a XXXX card account nor have I authorized anyone to open an account in my name. Furthermore, I have already submitted an identity theft report with the Federal Trade Commission regarding this matter. 
Additionally, I have noticed that the payment history for this account does not show accuracy as the majority of credit reporting for XXXX card says " NO DATA ''. 
I am actively working to resolve this issue and I request that you assist me by removing this account from my credit report. I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed accounts and provide me with a response within 30 days of receiving my dispute. 
Therefore, I kindly request that you remove this erroneous account from my credit report as soon as possible. 
Thank you for your attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express harassed me at all of my known addresses for over two years. I applied for their business charge card and i still haven't received it. I believe that would be the proper restitution for their crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2023, a deposit that had been made into my account had cleared. On XX/XX/2023, Bank of America allowed a cleared deposit to reverse without any authorization from me. When I contacted the bank on XX/XX/2023, the customer service representative could not explain why the bank allowed a reversal of a cleared deposit.

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 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
i have never owned a capital one credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a capital one credit card account is being reported by capital one, XXXX XXXX XXXX and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called capital one numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX  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 2023-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
First I sent a 609 letter that I will upload accompanying this complaint on XXXX, then when the credit reporting agency equifax, did not delete the inaccurate information, I sent a demand to comply follow up letter with a 15 time period, on XXXX, as of today XXXX, they ( equifax ) has not responded, I will upload the demand too comply letter too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX, 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 instrucTons 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 man seven vears 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 nas reasonable cause to belleve that the information is Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My original letter was sent on XX/XX/2023 they failed to follow the federal far credit act of fixing the problem within 30 days and it a not fixed, also I sent a second letter for A follow up on XX/XX/2023 not a response yet..

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