vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXXXXXX XXXX XXXX - Account number 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: OH

Complaint narrative:
I originally rented a car thru XXXX XXXX XXXX Co in XXXX, XXXX  from XXXX the original agreement was for {$1100.00}. Upon my arrival I found that my rental agreement was " sold '' to XXXX XXXX car without my knowledge or agreement, I was charged an additional {$710.00} for the exact same rental and timeframe ( Total {$1800.00} ). Upon my return, I disputed the amount thru my credit card company ( USAA ) who conducted an investigation and found I was responsible for the additional {$710.00}. XXXX then credited back the difference. Since final adjudication, I have been sent threatening letters, emails, and harassingly phone calls from XXXX to pay the difference. I attempted to resolve this on multiple occasions both with XXXX and XXXX credit card services with no success. I recently received a debt collector notice from XXXX XXXX XXXX, XXXX XXXX, XXXX, and Creed ( Twinsburg, OH ) once again trying to collect the difference. ( NOTE : They reference XXXX not XXXX in their notice. ) I contacted the debt collector on XX/XX/2022 and was met with extreme unprofessionalism, harassingly, and threatening responses when I tried to explain the situation and resolve the dispute. The case # XXXX ( XXXX case number ), and reference # XXXX ( XXXX Collector )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I mailed at out a cease and desist letter to Midland Credit Manangement in regards to alleged debt. They received my letter on XX/XX/2022. According to my letter they were suppose to cease communication and cease reporting of this alleged debt from my consumer reports. USPS XXXX # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist informed me that there were two merchants that charged checking account. One of them is called " XXXX '' which charged my account 7 times, and the other merchant is called " XXXX '' which charged my account XXXX time. These seems to be related to crypto purchases as both are online places to buy crypto. I have never used these two online sites, and reported as unauthorized when I found out over a month ago on XXXX the XXXX. 

Truist gave me provisional credit for these 8 total charges last week. Today they informed me that 3 of these transactions are still being investigated, 4 were finalize credits, and 1 was deemed " authorize ''. I would like to know how can it be authorize, while the other 4 that were not deem authorize from the same merchant were not deemed " authorize ''. 

I ask truist to look better into this matter, as these are fraudulent transactions which I never made and the amount I had was essentially all of my life savings. Additionally, I have also reported this to the police and FBI which you can find attached the reports.

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 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CT

Complaint narrative:
I previously submitted a cfpb complaint XXXX. I submitted a complaint because of a new collection account that is reporting in my credit report this was submitted on XX/XX/XXXX and the account that I filed a complaint was XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX I am happy that account has been removed from my credit report today XX/XX/2022. But I got disappointed when the same balance and original creditor which is XXXX reported this account this time with AFNI ( Original Creditor : XXXX XXXX ) account number XXXX. Again, as I previously mention I am not aware of this account and never received any notification from this agency. I can't believe that if I am conscious of my credit report any agency can add accounts to my credit report without a notification. I can't believe that any account can be on and off my credit file. Please read my previous complaint and have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received a statement and a debit card in the mail. Contacted Bank of America and they closed the account and cancelled debit card on XX/XX/2022. Just received a statement for my husband from Bank of America. Called again today. XXXX will have to call to close this one but while on the phone I checked on my information again. Another account was opened in my name just yesterday - XX/XX/2022. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed. Why are they allowing accounts to continuously be opened in my name? I closed the first one and informed them this was fraud. They should not have opened another one.

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: FL

Complaint narrative:
I follow my credit report on XXXX XXXX I decided to get a better interest rate online through open road lending. They tried the old bait switch on me. In XXXX XXXX  it said underneath my name that I could go through there and get alone at 13.6 % interest for 60 months for XXXX a month. When I went to finish the loan it went up 2 points and took it out to 72 months which was absolutely absurd. XXXX XXXX from Open road try to trick me into get an XXXX at 72 months. Numbers appear to be coming from open road to XXXX XXXX  This XXXX tried to say to me that's she specifically went over the numbers with me on the phone which I didn't hear them. She tried to make me feel stupid by stating over and over again she went over these numbers. 
On XXXX XXXX it specifically said I could recieve XXXX. Then she kept pressuring me to take the XXXX at 72 months, were my loan already has paid 22 months off. People should be aware of their shaddy business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I spoke to Mohela about my loans and they told me I had to re-submit an XXXX. This information is inaccurate because my XXXX  confirmation is not until XX/XX/XXXX. Now, I have to make payment on income on XXXX taxes which was inflated due to unemployment I received in XXXX. I will not afford the cost based XXXX that income from 2 years ago. I need help removing my recent XXXX  income submission. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXXXXXX22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX/22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX4/22Lastly, during your XXXX/XXXX/22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and Equifax reports of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX/22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX/22Lastly, during your XX/XX/XXXX22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XXXX/XXXX/22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my Experian and XXXX reports of XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-12-29 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: DE

Complaint narrative:
I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29 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: DE

Complaint narrative:
I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29 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: DE

Complaint narrative:
I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received a statement in the mail. Contacted Bank of America and they closed the account. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
SERVE by American Express is a PREPAID card that I used with XXXX XXXX XXXX to deposit my paycheck on. This was the card that I had while at XXXX XXXX and would also use this card to depoist things like my IRS tax refund. What's odd is I had an incident where I believe that someone at XXXX XXXX was using a remote control feature to manipulate the ATM ( which was a legacy ATM ) to cause frustration or deny access to monies that were mine and as a result of my affliation with American Express this ATM was closed and changed out to a new ATM. This could be probable cause for me being targeted by either local Law Enforcement, Federal Law Enforcement, or XXXX XXXX as they used this point of access to gain intelligence on my bankings and financials. I have nothing to hide but this is a point of intrusion that is very disturbibng. 

I have not been able to regain access to this account, close the account due to the number that I had with this account being disconnected, and as such have had a difficult time in closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This address is incorrect, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for money order and they're causing defamation of character, they are continuously doing this action every other month or more. 
I have had a conversation with XXXX XXXX XXXX XXXX and XXXX XXXX and even XXXX XXXX however they continue to do the same thing over and over. 
HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in XXXX  that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of XXXX XXXX XXXX XXXX. HIPAA also helps to control administrative costs within the health care sector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation