vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$470.00} XXXX XXXX {$2000.00} XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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. 

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 then seven years.

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 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Activehours
State: AK

Complaint narrative:
XXXX Attempted to move {$250.00} from my Earnings tip Jar to my XXXX  XXXX account XXXX  XXXX was unable to be connected to the Earnings app, error stating no checking account associated with the account. My checking account is still active, and only the earnings app is the only app having issues with connecting to my bank Contacted Earnings and they suggested I open a new bank account to access my money. 

Earnings is holding onto my money and not letting me access it. Claims zero work arounds as it's my banks fault, however, only earnings is having an issue to access my XXXX  XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NV

Complaint narrative:
CORPORATE ACCOUNT/ DO NO POST ON PERSONAL PROFILE. REMOVE IMMEDIATELY. NOT REPORTING ON OTHER BUREAUS billing discrepancy remove late mark. payments for a 6 dollar monthly fee were always on automatic and turned in. remove immediately 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 Accion New Mexico Equifax XXXX XXXX Last Updated XXXX/2022 Payment Status Worst Delinquency None Reported Balance {$32000.00} Credit Limit MORE DETAILS Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX JPMCB Card Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union advertised a New Car Loan rate of 4.74 % for 60 months on their website. Despite having an income and credit rating that is amongst the best in the nation they provided a loan approval with an interest rate of 5.04 % for the same term length that was advertised as 4.74 %. Follow-up phone calls did nothing to fix the situation and they could not provide any reason for not assigning the best loan rate as advertised. This feels like a bait and switch and caused a ding to my credit rating for the application. This practice should not be permitted and should be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
I have called Experian number of time, as recent as today ( XXXX ). I have numerous hard inquiries that I did not authorize and sign for from XXXX, XXXX and XXXX. When I can Experian, I am told that the inquiries can not be removed. I know that the FCRA ensures that I have the right to dispute these because of inaccuracy, being incomplete or unlawful. The same applies for 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 2023-01-06 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: NJ

Complaint narrative:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: FL

Complaint narrative:
I did not apply for anything in XXXX and XXXX! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately. 

Please have these fraudulent unapproved inquiries below removed from my Experian credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXX XXXX XXXX Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Thank you for your time and help in this matter.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below 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 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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. 

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 then seven years.

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 2023-01-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. JPMCB CARD Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Specialized Loan Services ( XXXX ) sent me communication that there is a shortage of {$130.00} when they charge me for XXXX  taxes ( set by state of XXXX ) and insurance premium by my insurance company.That because of the shortage my payment will be higher By {$11.00} starting XXXX.My insurance payment had already gone up because the insurance company increase their premium up to {$700.00} for the year.The state of XXXX charged me about {$4400.00} taxes for $ XXXXThose are the legitimate charges that can be billed to me for XXXX.Any amount higher is illegal and unauthorized. XXXX billing of {$130.00} XXXX therefore is illegal and without merit because XXXX has no such authority.Therfore pls order SLS to recind that amount.. SLS have been doing this for several years to me and XXXX accounts similarly situated like me. I talked to XXXX, ID XXXX of XXXX to no avail.

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 2023-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Late XX/XX/2022, met with Bank of America representative to close account and receive refund of my IRA. 

XXXX telephoned Bank of America as recommend by representative and was advised that she would close my IRA account and mail to me a refund of me deposit. 

XXXX having received nothing from Bank of America, telephoned again and again advised my account would be closed and a refund of my IRA account mailed to me. 

I received a letter from Bank of America, dated XXXX, advising me that they were unable to process my request as the funds are currently on hold. 

XXXX I sent a letter to Bank of America requesting information as to the hold and to refund to me my IRA. 

XXXX sent another letter to Bank of America again requesting information related to the hold and to refund my IRA to me. 

To date, I have received nothing.

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 2023-01-06 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: FL

Complaint narrative:
I did not apply for anything in XXXX and XXXX!! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Equifax credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXXXXXX XXXX XXXX  Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX XXXX addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Please add New Employer : XXXX XXXX XXXX. Do not delete XXXX XXXX XXXX  Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I have called several times dealing with XXXX XXXX I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
The pay was sent but has not been applied to my account. The escalation department refused to address the issue. Will not allow me to talk to a supervisor reference locating the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I got a phone call on XXXX of XX/XX/XXXX from Portfolio Recovery Associates , Inc. 
They know my personal data and SSN number and told me that there are depts on my name {$79000.00} and {$20000.00}. 
And somebody took these debts in XXXX. 

We just arrived to the USA on XXXX of XX/XX/XXXX and the last time I was here in XXXX as a XXXX student. So I could not take debts physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXXXXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2023-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Roadrunner Account Services, LLC
State: NC

Complaint narrative:
I had a repossession a number of years ago and XXXX owed on the vehicle. The company came and took the vehicle. I asked what i owed and no one can give me an answer. There is a charge off on my credit report for XXXX but they have since sold the vehicle so its my understanding that what i owe is the XXXX minus whatever they sold the vehicle for. No one can look up my information on the vehicle or tell me what it was sold for. They only ask me to start making payments on the XXXX. I have tried disputing the account with the credit bureaus to get at least the total corrected or the account removed because its being misreported but haven't had success. Please help me anyway that you can. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: IN

Complaint narrative:
I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist charged me XXXX overdraft fees for overdrafting by {$5.00}. On XX/XX/XXXX, my starting balance was {$76.00} and I made XXXX purchases for {$81.00} and it brought my account to - {$5.00}. I included photos from my bank app so you can see my starting total and how much I spent. Some of those purchases were still pending but I was still charged an overdraft fee for going negative. When the pending purchases posted, because of the overdraft fee, I did not have enough to cover them so I was charged XXXX more overdraft fees, bringing my balance to - {$140.00}. the fees were {$36.00} each, so {$140.00} + $ XXXX {$140.00}. no more than {$5.00} was ever overdrafted by me. I talked to the bank but they said they could only reverse fees once every 2 years. I think it's ridiculous I can be charged {$140.00} for overdrafting {$5.00}

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 explanation