vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: NC

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
In 2017 I was transferred to the XXXX  and after a while XXXX XXXX XXXX sent a surprise bill with astronomical fees added and refuse to file this against my insurance .They have put this on my credit report and damage my credit and financial well XXXX XXXX XXXX has a history of mistreatment patients with surprise medical bills for many years and need to be investigated thoroughly! Please assist me in getting legal action against this company for damages and charging a {$2200.00}. fee for a local transfer to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Cooling & Winters for committing fraud and identity theft. I have never contracted with Cooling & Winters and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Cooling & Winters, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations u

nder 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any
communication and collection activity, of this and any alleged debts until Cooling & Winters, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cooling & Winters, continues its collection efforts, I will file for litigation for actual damages caused, and Cooling & Winters will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am not able to view my credit report on this company 's website or on my annual free score. I have also been disputing incorrect information for three years and this company keeps saying they have verified the account but the report that the company sent me in the mail shows the same errors. I uploaded my exhibits with this compliant.

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 2022-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
My vehicle was repossessed and sold at auction by my original creditor and {$700000.00} was left over and charged offed. XXXX XXXX XXXX took over the debt and file a judgement against me in XXXX every seven years and never once notified me or serve me to come to court.I received a letter XXXX XXXX at my mothers address that a judgement was file against me in amount of {$22000.00} .The interest and fees have added up against me for over 20 years.I call the debt collector office about this letter that only had a case number and no court information about what county this was in. I called around and found the court by using the case number that is on the letter.I have been lied against and never notified or severed to come to court and this has impacted my life with credit and my financial well being for over 20 years because the debt is still adding interest and fees everyday and it will never give me a chance to pay off this astronomical amountXXXX and XXXX have destroyed me financially by doing damages behind my back and I never knew this was taking place.Please investigate and allow me to take legal action for the damages this has cause my life.I want the judgement dismissed from my name and record.XXXX and a XXXX and ford motor credit have a history of pulling these offensive acts against consumers for years and need to be stop.Their XXXX XXXX XXXX record has a log of all cases that they have cause damages against consumers for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TN

Complaint narrative:
In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out 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 2022-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 2022-04-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have 2 charges for XXXX on XX/XX/XXXX {$34.00} and a {$10.00} fee for a cash advance although it is a purchase. XX/XX/XXXX same merchant XXXX purchase however Capital One is alleging it is a cash advance which it isnt for {$92.00} and a {$10.00} fee. Per the supervisor I spoke with I was told to dispute both transactions as a purchase not as a cash advance I did that. Capital One comes back alleging they cant help me, the merchant processed it as a purchase. I have done business with this merchant in XX/XX/2022 and prior no issue. I am asking capital one to credit all interest, fees, and the correct amount of the purchase back. I did business with this merchant only as a purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My XXXX  XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed. 

I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays. 

Thank you, 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 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
UPDATE : I have sent this company several affidavits and they have yet to respond. I received a call today saying that my Loans are about to be in default. I am trying to understand how that is possible when the company has not answered my dispute and they are also still reporting on my credit report with out providing me with the information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AES/PHEAA
State: FL

Complaint narrative:
Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were IBR at {$0.00}. These loans were created for me to attend and graduate XXXX  XXXX  XXXX. Currently, I have a Borrowers Defense Application in place that is pending/processing since XX/XX/XXXX for the XXXX  XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is Fedloan reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of FedLoan should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to XXXX. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by FedLoan - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to FedLoan customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. FedLoan as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to FedLoan, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDULENT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES. 
XXXX NA XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION INQUIRY

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 2022-04-22 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: VA

Complaint narrative:
In 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/furnish an 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 2022-04-22 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: VA

Complaint narrative:
In 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/furnish an 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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Starting on XX/XX/XXXX all the way through XX/XX/XXXX there was a series of XXXX unauthorized transactions on XXXX XXXX through my Wells Fargo bank account and debit card. If my math is correct I was robbed of almost XXXX XXXX dollars in total. {$7800.00} to be exact. All of the transactions made were NOT authorized by myself and I never received any notifications of these transactions. In other words they were unauthorized transactions and/or fraud. I contacted Wells Fargo and their claims department and was told that they would do everything to help me and make the situation better. A few days pass and they advise me that they denied my claim and will not reimburse me for the amount we had agreed upon and said would be reimbursed after investigation was completed. I just had a son ( he is literally not even XXXX month old ) and I was in the process of putting a down payment for a house and/or buying a dually truck for my hotshot business Im in the process of starting. On top of this issue I had another XXXX issues with my account. These involve XXXX and XXXX. Its clear that the people that gained access to my account were simply trying to drain my bank account and were well versed in their scam and manner of taking money from their victims. The XXXX transactions started XX/XX/XXXX and lasted up until XX/XX/XXXX. There was a total of XXXX transactions totaling {$2500.00} with all XXXX added up together. Then to finish this all off, there was another set of unauthorized transactions made through XXXX. These started on XX/XX/XXXX and went through XX/XX/XXXX. There was a total of XXXX transactions and they add up to {$3100.00}. All in all the total adds up to {$13000.00} all together and its absolutely ridiculous that this is even possible.

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 2022-04-22 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: NM

Complaint narrative:
There are XXXX hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were XXXX collections for services received during my incarceration as well. All XXXX XXXX are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.

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 2022-04-22 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: TX

Complaint narrative:
XXXX XXXX  account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however XXXX and Equifax have not. This is hurting my credit rating. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: KY

Complaint narrative:
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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