vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased a XXXX XXXX with TFS ( Toyota Financial Services ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but TFS reported that my XXXX and XXXX payments were 30 and 60 days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: OH

Complaint narrative:
on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file equifax company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. 
every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX XXXX XXXX - aact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Refused to investigate monthly fraudulent charges by XXXX XXXX and Refund fraudulent charges and shut off fraudulent charges. Since XXXX of XXXX I have been Repeatedly charged {$53.00} monthly on XXXX XXXXXXXX XXXX XXXX  ending in XXXX since XX/XX/XXXX by XXXX XXXX XXXX XXXX, a Third party processor company that I CLOSED the account with. XXXX XXXX XXXX XXXX {$170.00} in Bogus Charges on XX/XX/XXXX and verified the charges are bogus and account is closed- but XXXX continued to charge my card monthly AND CHASE WONT STOP THEM- I have reported this to chase several times - this is fraud. I demand CHASE issue a FULL refund of {$53.00} monthly charges since XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I got an Auto Loan from Credit Acceptance for a XXXX  XXXX XXXX  XXXX ( XXXX XXXX ). the car XXXX XXXX value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in XXXX  XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of XXXX, XXXX XXXX XXXX XXXX to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.

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 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Collection : Eastern Account Systems - {$300.00} Back in XX/XX/XXXX I had a medical procedure done at XXXX XXXX XXXX in XXXX, CT. My health insurance ( Connecticare ) was informed prior and all costs were to be covered 100 %. 

In XXXX, I was reviewing my credit report with a financial advisor and it was discovered that there was a collection outstanding that I did not know about. I was instructed to take action and send a certified letter to the debt collector ( Eastern Account Systems ), which I did on XX/XX/XXXX. I have never received any validation from them about this issue. 

On XX/XX/XXXX of this year, I noticed on my XXXX Credit Report that this had finally came off of my report, I had hoped that it was over. Now today, I checked my XXXX Credit Report and it has suddenly re-appeared. 

This seems to be a clerical error from the original creditor ( XXXX XXXX ) due to a coding issue with the insurance company that they never resolved. 

In XXXX, I had the same procedure at the same surgery center which only uses the above Anesthesia company without any issues. Prior to the procedure I contacted XXXX XXXX to make sure that it was going to be coded properly for payment by the insurance company. At that time, I was informed that they did in fact change their medical billing company since XXXX due to issues. 

I am trying very hard to have this taken off of my credit report with disputing with the collection agency and also XXXX and having no luck. 

Please feel free to reach out to me if you need any additional information. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: VA

Complaint narrative:
I have submitted a dispute with all 3 credit bureaus and XXXX XXXX. I have submitted a dispute on XX/XX/23, XX/XX/23 and XX/XX/23. I've talked to representatives with Experian how relying on XXXX XXXX  to verify if correct isn't a thorough investigation because they will simply just say they're reporting correctly when they are not. I have been denied school loans and a credit card simply for the reason of having a charge off status. I've never have had that status and my trended credit shows that is strange. I closed the account with XXXX XXXX  and settled with a debt collector. I've paid the debt collector on time as agreed and will finish settlement being paid off completely in XXXX. XXXX XXXX  keeps reporting I owe them money when it has been closed and through XXXX XXXX XXXX. The frustration that they're reporting is mainly the charge off status. Even as they report " I'm paying them each month '' they're reporting the payments I pay XXXX XXXX XXXX as if I'm paying them and I have no relations with XXXX XXXX  since I have closed. I've spoken with XXXX XXXX... which is a whole other complaint with that company ... and they refused to give me information on my old account at first, then when they finally gave me information they say they will not change the charge off status regardless if it switched to XXXX. I can not get school loans and if this stays on this will stay for 7+years and effect my whole financial life. Experian will not understand that I don't have an account with XXXX XXXX  or owe them money anymore because they just ask XXXX XXXX  if they're reporting correctly regardless of me giving my account info and receipts I have with XXXX. I don't have the exact information of all calls made to XXXX XXXX, Experian and XXXX  at the moment but can get the information if needed. I have settled a new agreement with XXXX  twice and will submit the latest agreement made to prove I have the previous XXXX XXXX  account that I closed through 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI is a collections company that appears to have purchased a debt. This isn't a debt I own. The party will not issue the original contract to to verify this fraudulent account therefore I'm seeking remedy. 

The credit reporting.states it's an account.of.Sprint. This is not an.account I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: SC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-03-24 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: OH

Complaint narrative:
Please remove the late payments from all credit reporting agencies and companies reporting them. 
I have contacted them with no resolve from them. 
In accordance with The Fair credit reporting act, these creditors/companies have violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 It also States a consumer reporting agency can not furnish account without my written instructions.

Under 15 Usc 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX {$69.00} XXXX  XX/XX/XXXX XXXX {$240.00} 15usc1681 section 602a right to privacy 15usc1681 section 604a section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15usc1681ca5 states no consumer reporting agency containing any of the following items of information any other adverse items of information other then records or convictions of crimes with attendants the report by more then 7 years 15usc1681s2a1 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 2023-03-24 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: OH

Complaint narrative:
on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # 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 2023-03-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Problem with using AMEX gift card for an online order at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been a loyal customer for many years. I have always paid my bill right on time. Ive never maxed out my credit card. I have good credit overall. The first and only time that Ive ever had a problem with my Lowes credit card. Im getting the runaround. I got a bill. They told me I old money considering we knew that we had not use the card in recent months. We knew that we didnt know anything. We logged on, and sure enough there were charges that were made in another state that was close to 1000 miles away from us. We dont know who made the charges we did not benefit from the charges we didnt get permission to anybody to make the charges this completely caught us by surprise. Very stressed and worried we called the bank. We are told. Dont worry. We will take care of this. You reassured us that we are not liable for fraudulent charges. That put my mind at rest I thought OK the bank is going to take care of it. This is why weve been so loyal to Lowes for all these years. After months have gone by, all the sudden we owe a balance again at first we thought it had happened again. But now its the fraudulent charges that have been added back to our account and I have no idea why.

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 2023-03-24 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:
There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX . The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.

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 2023-03-24 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 XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Thursday, XX/XX/2023 I tried to link my new debit card to my XXXX cellular account and was advised by XXXX the issue occurs from the bank 's end as it is all set from our end but the bank 's server is not permitting us to make any changes. When I contacted Wells Fargo, they advised me that my debit card had been reported as " lost '' and a replacement card was being mailed out to a new address. At that time, I advised Wells Fargo that I did not report my card as " lost '' and I did not provide them with a change of address because I've been at the same address for 9 years. The bank then wanted to verify my home address, and told me that the change of address was different from my primary home address. When I asked Wells Fargo ( Fraud Department ) representative what address were they showing on my account, they stated that they were not at liberty to give me that information. I eventually went back into my Wells Fargo account online and checked the 'Alert History ' and saw that my account was showing a XXXX , New York address as my new address. I've never lived in XXXX, New York, I live in XXXX, GA. Wells Fargo eventually cancelled the new debit card going to the XXXX , New York address, but were unable to tell me how this happened. 

In addition, I received a text from Wells Fargo on XX/XX/2023 that a New XXXX recipient XXXX was added to my account. I do not know anyone by the name XXXX and I immediately went into my account to remove him from XXXX. 

I am writing the CFPB to file a complaint and to also request an investigation, as to how this could possibly have happened. The thought that a new card was being issued with my name, and being sent to a new address disturbs me, because had I not contacted Wells Fargo in time, once the new card arrived at this scammers address, they could have wiped out my entire account ( s ). Any assistance that you can provide would be greatly appreciated.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
Does the company Cashapp deny that my spendable balance decreased? Regardless of the transactions being voided and not completed by the companies definition. Does the company Cashapp deny that my injuries occurred while I wasnt able to delegate my funds that were pending, and therefore unavailable, at the encounters of the injuries?

Company response to consumer: Closed with explanation