vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
SANTANDER IS VIOLATING MY PRIVACY WITH INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

1. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
2. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
3. XXXX XXXX, Account # XXXX, has violated my rights. 
4. XXXX XXXX, Account # XXXX, has violated my rights. 
5. XXXX XXXX, Account # XXXX, has violated my rights. 
6. XXXX, Account # XXXX, has violated my rights. 
7. XXXX XXXX, Account # XXXX, has violated my rights. 
8. XXXX 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 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
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report from a company called XXXX XXXX I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been making smaller payments online but they are now calling my ex boyfriend and other people sharing my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an HSBC XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, HSBC closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted HSBC has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with HSBC phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXX Banking for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to HSBC Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from HSBC Cards and Loans Customer service Team dated XXXX XXXX stating that HSBC is unable to remove the delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX {$550.00} / XX/XX/2021

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 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I borrowed some money awhile ago. It is something you borrow until your next pay. It was sent for collection. I don't understand why when they could have gotten the money out of my account weekly like it is set up too come out from next Deposit. Allow me too pay it off. They said it was discharged in XXXX. I have been with them for almost 20 Years. If I owe the money they could have taken and had me garnished. I never said i would not pay it back, just skipped my mind. I had money in XXXX and XXXX and they never went after the money in 2 Years. So they knew my Tax Check was coming too my Savings because I do direct Deposit each Year. My Tax Check was Deposit XX/XX/XXXX. Not even 2 weeks in my Account they went and took 85 % of my Savings and put me in a Hardship because it hit without notice. They were laying and waiting for this chance. Which they could have warned it was coming out or took it 2-3 Years Ago. This is Unfair Practice too take that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: AZ

Complaint narrative:
I got a voicemail from this collection yesterday. I called them today after googling the company. I spoke to two reps today and theyre claiming XXXX XXXX XXXXXXXX XXXX  my file with an old name to them 10 days ago with two outstanding amounts of {$1700.00} and {$1700.00} from a service date of XX/XX/21 at XXXX XXXX XXXX XXXX They stated me calling the company directly wouldnt help since XXXX already sent my info to them. They claimed theyd need me to send EOB information to show the claims were paid at the following email address or XXXX. 

Phone number ( XXXX ) XXXX XXXXXXXX XXXX  and XXXX XXXX today. 

I called XXXX XXXX XXXX who has billing with XXXX at XXXX today they said I have a {$0.00} balance. I called XXXX XXXX billing they said the same thing {$0.00} owed. I called the medical provider side of Steward Billing all between XXXX and XXXX today they said they have no record of me in their system or any account and that this is a company trying to scam me. They said this happens all the time and they get calls from concerned patients routinely. 

This collections company told me two referenced numbers to reference when sending them an email XXXX and XXXX. 

Knowing I have no outstanding balances and checking with my insurance company as well, this company is scamming innocent citizens who dont need this extra stress and hassle in their lives. 

Please report them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX IS VIOLATING MY PRIVACY WITH 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX IS VIOLATING MY PRIVACY WITH INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX 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 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
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
Acc # XXXX XXXX XXXXs XXXX Acc # XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXXl XXXX Acc # XXXX XXXX, XXXX  Acc # XXXX, XXXX, XXXX, XXXX XXXX  XXXX U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 non-monetary relief
Consumer complaint received 2022-04-29 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: FL

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 ( Original Creditor : XXXX XXXX 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 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 2022-04-29 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: FL

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 ( Original Creditor : XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Synovus Bank
State: OK

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

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 under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
They have been contacting me for months about a debt that doesnt exist. When I did finally talk to them, the man was incredibly rude, demanding personal information before he would even verify that he was calling from a debt collection agency. He just kept saying that he was calling from the CBE group and when I asked if that was a debt collection agency, he proceeded to raise his voice and kept repeating that he couldnt say what he was calling for unless I gave him personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
I have been filing a dispute on several occasion and numerous of times of the same complaints. Equifax and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NJ

Complaint narrative:
On XX/XX/2022 Equifax ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. FCRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them.

The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: PA

Complaint narrative:
On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 22 days ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN report, I am now, taking the extra step, because I really need these addresses off of my credit 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
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
they were rejecting my payment, and then overcollecting payments asking for a XXXX dollar payment, when it was just supposed to be XXXX, they were also trying to skim XXXX off my payment " punishing '' me for paying, they wanted me to pay another way besides money. They rejected the money I had, then I don't have enough now because they charged me for late fees, etc. and just manipulating themselves out of business.

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 2022-04-29 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: GA

Complaint narrative:
I am filing this complaint because Experian and XXXX is not cooperating with me with removing this late payment from my credit file. They have reported a 60-day late payment to my credit file without authorization and did it while in Covid-19 state , which I contacted them each month prior to XXXX and they told me that they would work with me to keep my account in good standing and they was not going to report my account in a negative late payment status during the time I had XXXX over the last couple of months. I am very upset because I have disputed this account to have the late payment removed, XXXX and XXXX had it removed but it still remains on my Experian credit file and it is negatively affecting my XXXX XXXX rating and is keeping me from getting back on my feet since after XXXX. I am pleading and asking that you all remove this late payment before I take this matter to the courts and file a lawsuit for not accurately reporting the correct information on my credit file.

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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I never received any communication on this debt collection account until it appeared on my credit report. I have no knowledge of this account or where it came from. 

Vance & Huffman LLC XXXX Date Opened XX/XX/2022 {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: NY

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 the right to privayc.

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