vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: WA

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. 

Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: 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. 
Account name : XXXX XXXX  # XXXX account name : XXXX 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 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. This is fraud i have police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Grain Technology, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX was the initial opening of the account with a security deposit ach withdrawn from linked checking account with XXXX for {$150.00}. Used the account once XX/XX/XXXX. Ive been asking for the account to be closed after the erroneous late charges that affected my credit report XX/XX/XXXX. I sent an email and still to this day I have been ignored and request not honored. At this point this is considered theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
The company I am struggling with is BMW. I traded my XXXX that I owned free and clear in on my XXXXXXXX XXXX XXXXXXXX back in XXXX. I leased it for XXXX yrs never missed a payment, then decided to buy it. 
Because of a loan I co-signed for ( my granddaughter XXXX ) BMW charged me 16 % and it was on the last day I had to buy it or turn it in so I didnt have a choice, I bought it. 
I paid on that loan for XXXX yrs with no lates and a couple ext. pmts but my point being i always worked with them and was never a problem. 
I am XXXX yrs old now and retired in XXXX in XXXX  and moved back home to XXXX where all my children and grandchildren are. 
Now that I only get retirement i couldnt afford my rent and car payment. So I told them I was going to look for a job. I got a job making {$13.00} an hr at the local grocery store and called them about how we could do this and she said I had to pay the {$2000.00} and some in arrears or the car was being repoed. 
Well I cant come up with that kind of money because I spent all my savings moving here from XXXX  back to XXXX and deposits for utilities and such. 
I traded in my car I owned free and clear when I got this car and they charged me 16 % interest which as long as i worked I paid and now that I am retired and still owed a little over a year on it they want to repoe it leaving me with nothing to drive to keep a job and so forth.

I am not trying to get out of paying for it I just wanted them to rewrite what I owed on it which at the time was {$12000.00} to give me smaller payments to pay it off. They have not once tried to work with me and just want to repoe my car and leave me with nothing! 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. These accounts a fraud. 
I sent my Notorized FTC report and PA Drivers license.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: GFS II, LLC
State: MI

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 account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Kriya Capital, LLC
State: AL

Complaint narrative:
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 purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

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 instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-03 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: NY

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 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 purpose. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
15 USC 1681 section 602 states I have to right to privacy.

15 USC 1681 Section A-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 purpose.

152

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account XXXX  has violated my rights 15USC 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 USC1666B A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Hello, My is XXXX XXXX, I've tried numerous times to get a supervisor/manager on the phone to ask about my payment. Every time I call it's someone that doesn't speak go XXXX so they don't understand what I'm saying or keep repeating the same thing. This is very frustrating when I need to talk to someone about additional fees on my account. I have been suffering from XXXX with other to my already compromised immune system. This company isn't fair to us consumers and they don't listen or help. The amount that's in is being questioned is {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: MoneyLion Inc.
State: NC

Complaint narrative:
I have reached out to MoneyLion on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by Money Lion each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three Money Lion accounts listed below be removed immediately from my credit report with XXXX, XXXX and XXXX. MoneyLion is in direct violation of my rights under FCRA. 

MoneyLion account numbers : * XXXX * XXXX * 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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX, I sent money to a XXXX account that was hacked and the original owner of the account didn't know till I called him. But I sent {$1.00} and then {$49.00} and the hacker asked for more ( {$50.00} ). So I sent it thinking it was my friend and then, the hacker proceeded to ask for {$100.00} more and I sent it. And then again, more, so I got suspicious. I called my bank and they couldn't stop the transaction becuase XXXX XXXX  and chase to XXXX totally different things. It was pending still, so I asked if they could just cancel it. But long story short they couldn't help me and neither XXXX online help center couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
A debt collector called XXXX XXXX contacted over a year ago to notify me that I have {$290.00} of debt with Citizens Bank pertaining to a checking account from XXXX. I have not had an account of any kind with Citizens Bank since XXXX when my personal checking account with Citizens was transitioned to a personal checking account with XXXX XXXX. XXXX XXXX purchased my Citizens branch in XXXX. My account and associated funds were transferred to XXXX XXXX. My Citizens account was in good standing and, If I had a negative balance with Citizens, the account would either not have transferred to XXXX XXXX or it would have become a negative balance with First Merit. Further, I received no correspondence from Citizens notifying me of this debt until the debt collector sent me an invoice in XXXX. I was not contacted for any reason by Citizens during the previous XXXX years and out of nowhere I got this debt collector notice, the first of several. I contacted the debt collector and Citizens Bank via email on XX/XX/XXXX to inform them that I do not, in fact, owe Citizens Bank anything. I contacted both companies again on XX/XX/XXXX repeating the facts. In the summer of XXXX I filled out required documentation with the debt collector explaining, once again, what I explained above. On XX/XX/XXXX I received a response from the debt collector with account statements in my name from XXXX. The debt collector 's response said " This debt is valid. '' Again, I had explained to the repeatedly that I had not had an account with Citizens since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute

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 2022-12-03 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: LA

Complaint narrative:
In accordance with 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 604 A Section 2 : It also states a consumer reporting agency c 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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. 
Account name : XXXX XXXX  # XXXX account name : XXXX 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 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. This is fraud i have police report

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