vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call XXXX has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )

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 2022-05-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-05-22 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: U.S. BANCORP
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX  XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-05-22 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TN

Complaint narrative:
I repeated told IQ Data International on phone calls that the debt that they were attempting to collect was not mine and that the burden was on them to find out. I then mailed them in early XXXX proof of a lease agreement that the debt is not mine. I sent this mail certified. They had till the XXXX of XXXX to remove the debt from my credit report. 
The debt is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX ACCT # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-05-22 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 Acct # XXXX and XXXX  ACCT # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Global Lending Services LLC
State: MI

Complaint narrative:
GLS-GAP Policy/Global Lending Services LLC states if your car is totaled pays off auto loan balance, this never happen. GAP policy for Global Lending Services LLC - ( dealership funding checklist ) GAP Policy provider has not honored it contract, this GAP insurance provider Global Lending Services LLC never applied this monies to totaled loss deficiency loss balance {$28000.00}. Please apply this GAP policy contract and remove my Global Garnishment off my credit report at the 3 major reporting agencies and remove garnishment off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX this garnishment in error PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Self Financial Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXX & # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am attaching or filing a LETTER OF INTENT TO SUE EQUIFAX FOR VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. KINDLY SEE FILE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Paypal Holdings, Inc

Complaint narrative:
i believe that it was mistake to close my Paypal account. I am using my paypal account for my online business as a selling XXXX business. I start using this Paypal account last month, XX/XX/2022, My Paypal account email is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopping that I will get back my account and able to use my new online digital selling business. 
Thank you and Good bless For Identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: RI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written imstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX and Equifax let a company called XXXX XXXX XXXX in SC, open and close accounts, the same accounts only to change the account numbers. But they they opened back up the very same day and this went on 6 ( six ) times on each agencies report, without anyone verifying me any suspicious activity this went on from XX/XX/XXXX until XX/XX/XXXX. This also went on with XXXX XXXX XXXX but it only happened 2 times open and close and open and close again. Opened on XX/XX/XXXX and closed on XX/XX/XXXX then turned around and opened the very same day it closed XX/XX/XXXX to XX/XX/XXXX. your reporting old information letting it be remanufactured without verifying. So who knows what you were allowing before this latest report that I received on the XXXX of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. As I stated, it was not intentional to make non-negotiable deposits, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new.

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 2022-05-22 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: Paypal Holdings, Inc

Complaint narrative:
My account is permanently restricted/blocked by paypal. 
I don't know why this happened, I didn't do anything, I didn't do anything like fraud, I just used paypal as a place to receive/pay money from clients. 
And paypal often ask questions about my business, I answer honestly, and send files/documents/id cards truthfully. XXXX XXXX XXXX XXXX XXXX XXXX who buys and sells goods in the form of files. and after explaining about the information, my account became like this. 
I ask for your help, I hope my account can be opened soon, because I need money. 

Account blocking date : XX/XX/2022 Remaining balance : XXXX USD $ Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Paypal Holdings, Inc

Complaint narrative:
Because my PayPal account, became permenantly limited, I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business. 
BUSINESS NAME : XXXX XXXX  DESCRIPTION : digital selling, or online lessons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
I had been a customer of XXXX XXXX XXXX  of XXXX for several years until it changed to the XXXX of XXXX XXXX. During the first month of my checking account now being at the XXXX of XXXX XXXX, my XXXX direct deposit came through with no problem. By the XXXX day of that same month, my account became overdrawn ( which was something that happened every month for me trying to survive on XXXX ). The overdraft was always remedied at the beginning of the next month. FOUR days later, I received a notice in the mail that my checking account had been closed due to insufficient funds and subsequently charged off ... FOUR days! That happened on XX/XX/XXXX. I was not given the chance to rectify the overdraft before they closed my checking account. Nor was I given the chance to discuss the situation with anyone from the bank before they closed my account. My XXXX check for XXXX, that was sent to the bank, was mailed back to Social Security and it took two months, I think, to finally get that check mailed to my house. It's hard enough to try and survive each month with my XXXX check as it is. So you can imagine how incredibly difficult it was for me that XXXX to live off of nothing while that payment got bounced all over the place. Anyways, on XX/XX/XXXX, I received a statement from the bank ( which is now Simmons Bank ) showing where my account was closed and charged off on XX/XX/XXXX and then they apparently received another social security check of mine on XX/XX/XXXX ( that I knew nothing about and still have no idea what it was about ) for the amount of {$690.00}. They accepted that check ( even though they had closed my checking account and supposedly charged it off the month before ) and applied it to the money that I owed them for my overdraft. That left a balance of {$180.00} which when I called the bank and talked to the customer service person by the name of XXXX, he asked me if I received the cashier 's check for the balance. I told him I haven't heard anything from the bank since they closed my account back in XXXX of XXXX. Then he tells me that I wasn't even supposed to have received this statement that it was mailed to me by accident and I should just throw it all away. Of course, I still have questions about the balance left in the account which he told me he would have a supervisor call me from closed accounts to explain everything. Just like when my account was closed, I still haven't heard back from anyone and have no belief I will ever hear from anyone again from said bank. I have tried to open a new checking account at several different banks and got turned down by all due to having an outstanding balance at the XXXX of XXXX XXXX. But, according to this statement I just got, there shouldn't be an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
A finance company Security Finance opened and closed account 6 ( six ) times XX/XX/XXXX to XXXX XXXX then open it again on XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and closed XXXX XXXX and opened again XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and close XXXX  XXXX XXXX and then again on XX/XX/XXXX and closed XXXX XXXX. They did this on XXXX and XXXX  which neither of these 2 companies informed me of anything.This is not ACCEPTABLE. I can't imagine how many laws and rules have been broken, All I know is I feel VIOLATED BY ALL INVOLVED. Security Finance, XXXX and XXXX. How to DEFEND with so many OFFENSES?

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 2022-05-22 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: MI

Complaint narrative:
XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from transunion that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act 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 15 U.S.C 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2022-05-22 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
In accordance with the fair credit RportingXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2022-05-22 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was paid in full for the buyout of my lease for a XXXX Hyundai XXXX. They were paid via wire transfer and acknowledged the receipt of the money. They then told me that I would receive the title within a week. It has now been 4 weeks and XXXX XXXX has been avoiding and not returning my calls. Additionally, they charged me for expedited document processing as part of the lease end fees at the lease end and obviously failed to process the documents in an expedited manner or at all for that 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 explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
Paypal has restricted my account without any reason. I want you to tell them to unblock it.

Company response to consumer: Closed with non-monetary relief