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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights, XXXX XXXX XXXX  # XXXXXXXX XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: New Era Asset Management, LLC
State: AL

Complaint narrative:
Makes frequent repeat phone calls throughout the day, has done two phone calls back to back. Consistently contacted other parties seeking location information after having my contact information and refusing to send written notice to my address. Called my place of employment and refused to end phone call after I stated that I was at work and continued to pressure me to stay on the phone waiting for an email to come through after stating multiple times that I was at work. Caller used a very demeaning tone and continued to pressure me in to a conversation while I work in a hospital setting. The company clearly uses scare tactics in their communication efforts with me and the other parties they are trying to involve.

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: Experian Information Solutions Inc.
State: CA

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


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

XXXX XXXXXXXX XXXX # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I got this message from my bank on XX/XX/XXXX, then immediately I texted no. 
Then I tried to solve this issue with my bank and XXXX, but I didnt solve it ; also, I hadnt bought anything from XXXX XXXX I have requested the receipt if they have, but I didnt send them. 
Here is the message from my bank : BofA Security : Did you use your credit card ending in XXXX at : XXXX XXXX, {$220.00}, Declined, XX/XX/1XXXX XXXX, {$150.00}, Approved, XX/XX/13? 

Reply YES or NO To opt out of fraud alerts, text STOP.

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 monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
Notice : Banco Popular XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have issues with the bank above. On the following description dates below. Here is the items, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I consumer discovered Fraudulent Activities on my Checking and Saving Account. Banco Popular Bank Failed and Refused to Disbursed my Funds for Payment to all my monthly merchants Account. It caused me the consumer high charges and late fees. I consumer tried to Resolved dispute with bank above. They Failed and Refused to work a Relationship with me the consumer. Notice it caused me Financial Reputation the bank informed and instructed to others companies that i consumer do not have funds in my Account which I do by a volume of deposit slips to show. Debit Cards was deliver out in my name without my Consent and I am a Senior, Victim of Identity Theft and ABUSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
So, bank of america charged me {$35.00} for three times and it's on XX/XX/XXXX 2 times and on XX/XX/XXXX. That comes to a total of {$100.00} and when I called the bank they said that they couldn't taken off the fee and I tried to explain my situation here that I didn't do those transactions and that is why when my balance were already low, and the transactions amount are higher than my balance, then BoFA charged me.

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: Nelson Cruz & Associates LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
It has where I lived at the time wrong and name was XXXX when it supposed to be XXXX

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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ending in XXXX from XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.

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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 5 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 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.

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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed a fraudulent rental car charge from XXXX at XXXX XXXX XXXX on my American Express card through their website several times as well as wrote a dispute letter to them with evidence, but they have yet to remove the charge which is now going on 4 months since the charge ( XX/XX/22 ) ( {$280.00} ), and now they have reported me to collections on top of things.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see XXXX letter attached ). Experian keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, Experian does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, Experian added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Social Finance, Inc.
State: NY

Complaint narrative:
SoFi bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see Sofi letter attached ). XXXX keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, XXXX does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, XXXX added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.

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 information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have inquiries on my credit report and I dont have the card or object. Its a lot of inquiry auto loans on my credit report that I didnt make and I dont have a car that match these 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ending in XXXX from 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 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ending in XXXX from XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Collection of my VA loan recently changed from XXXX to Carrington. I sent Carrington my check for {$5000.00} with specific instructions that the amount should be applied to my principal. Carrington cashed my check and instead of applying the amount against my principal, they prepaid monthly payments into XXXX to include the prepaying of escrow amounts. I have never been late with a payment against my loan with XXXX and I have already made my first payment to Carrington. I contacted Carrington and they said they would correct the error within 48 hours. Five days later, the amount was still listed on their website as applied against my monthly payment. My principal was not reduced and my non-interest bearing escrow ( for me ) has exceeded the amounts needed yearly. I contacted Carrington a second time and they told me that " these complaints are handled in the order they are received and it will be 30 days before they can solve my problem ''. They are using my money and denying me the reduction in principal. Carrington is handling my VA loan in a disreputable fashion.

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: GA

Complaint narrative:
in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. us bkpt ct XXXX XXXX refrence number XXXX, fXXXX XXXX XXXX account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 5 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 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.

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