vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2023-03-21 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:
I submitted a dispute to Experian, they closed the dispute and refused to reopen and take proof. Experian did not contact creditor and closed dispute prematurely

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I mailed a check ( # XXXX ) for Earthquake Insurance in the amount of {$1300.00} back in XXXX of XXXX. The Insurance Company ( XXXX XXXX ) informed me that my policy lapsed because they did not receive my check. However, when I called Citibank to confirm the check, it had been deposited and cashed by a unknown third party and the funds taken from my account. I informed the bank of the issue, received a photo copy of the check confirming it had been cashed, and I submitted an affidavit to the bank informing them that my check was illegally cashed by someone else. I even had the insurance company write a letter informing them that they did not receive the payment back in XXXX. Nothing was altered on the check, it was made out to the correct company, but there were two ( 2 ) illegible signatures on the back of the check when it was deposited. The insurance company informed me that whenever they would submit a check, there would be a company stamp included on the back of the check, and not the personal signatures. I have been following with Citibank since XXXX of XXXX  trying to address this issue. I have spoken with multiple people in the fraud department, however I can never speak with the case manager. Citibank keeps informing me that my case has been denied. I've tried appealing on several occasions and each time I am informed my case has been denied again. I've even gone so far to address this issue with one of the personal bankers at Citibank at XXXX XXXX of the XXXX location in XXXX XXXX. He tried to help as well, but without any luck. I'm happy to send the affidavit, letter from the insurance compnay, etc., should you require. However, as this has been going on since XXXX of XXXX, I am hoping you can assist. Thank you.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Company : Fortiva Retail Credit -Reviewed acct on XX/XX/XXXX, noticed promo option called XXXX XXXX. 

-Had deadline according to website for XX/XX/XXXX, so for approx. {$750.00} debt would be paid. Couldn't make payment by deadline so thought promo was done/finished. 

- Read all information listed on website about XXXX XXXX to avoid any misinformation and also avoid missing steps yo complete process. It was clearly stated on the website/ XXXX XXXX XXXX XXXX XXXX  " learn more '' section that to complete the payment it should be done thru the button " Make a Payment '' I looked and looked thinking there would be a special XXXX XXXX button, but it only stated to click on the make a payment and that once processed it'd be applied as listed in the promo. 

-When ready to pay on XX/XX/XXXX, it was still displaying XXXX but now it said 100 % match and the XXXX XXXX XXXX XXXX, so I paid it. 

-On XX/XX/XXXX spoke with 2 Gen CSRs that had no idea about XXXX, requested to be trsnfrd to someone that would know, was placed on hold several times. I even hung up due to the long wait time and lack of info. 

-Finally spoke to some around the same day that stated I needed to allow 14 days for Pay to process and then it'd be completed, he even said the acct was already closed and just pending payment processing. 

-Waited til XX/XX/XXXX due to acct still reflecting pend bal, was told then to call Collections, something none of the others mentioned. 

-On XX/XX/XXXX called Fortiva 's Collection dept, and was told the same thing, there's nothing they can do, I made the payment online as a reg payment, throughout all the calls I explained what was listed on the website and how there was no information about 2 forms of payment ( one XXXX and the other regular ). The agent stated will submit a req, not high priority or anything and no eta was given. 

I followed the instructions listed on the website and now Fortiva is refusing to match the remaining balance in my account. 
They even referred to the email sent and that email doesn't state anything in regards to having 2 forms of pay XXXX  and reg. 

Please review, thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a hard credit alert from my banking institution from Bank of America claim # : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.

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 2023-03-21 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXXfrom XX/XX/XXXX amount comes in different now XXXX & XXXX now on my bill again XX/XX/XXXX & XXXX XXXX is XXXXfor XXXX on XX/XX/XXXX which was refunded from XXXX but self credit wont remove charge on XX/XX/XXXX & XX/XX/XXXX on bill 3 times for XXXX XXXX XX/XX/XXXX XXXX declined transaction XX/XX/XXXX XXXX declined transactions Im being charged for all these charges my XXXX rights XXXX disputed them with self XXXX  sent them paperwork of proof Im told there is no amount for first one and Im denied my rights to dispute these when I made payment of XXXX they put transaction threw I dont have merchandise and I want off my bill and my credit report Im over balance they are going to close my account so I need ur help getting removed from XX/XX/XXXX to today XXXX paid over and over for these things I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Around XX/XX/XXXX, my credit score dropped 65 points. I reviewed my credit reports from all three bureaus and could not find anything. Then I contacted Equifax twice on XX/XX/XXXX and XX/XX/XXXX to find out the reason ( and to submit a dispute ) but they could not tell me which event caused this dramatic decline in my score. I am in good standing on ALL of my accounts. I did pay off an auto loan in XX/XX/XXXX and this account was automatically closed by the credit union. I think it is unfair that I am penalized for the closing of an account that I no longer need and that I paid off. I understand the score is based on some algorithm, but I this steep decline could cause me to loose money if I were to apply for a loan. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: NY

Complaint narrative:
I purchased ticket XXXX to XXXX I paid XXXX XXXX ( approx XXXX $ ) for extra legroom seat XXXX XXXX changed aircraft and that seat on smaller plane is not available and I had to take normal seat ( no extra pay ) They sent me a receipt showing refund forthcoming but over a month now and no word or credit given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
HI, I WAS SICK WITH XXXX  AND 2 DAYS LATE ON MY CITIBANK CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR 2 DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM MY 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 monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing to file a formal complaint against American Honda Finance. I co-signed a lease agreement for my daughter. She failed to make payments and I was never notified by mail, email or phone that any payments were delinquent. When the account reached XXXX months ' past due, I was notified by my credit monitoring service that my credit score had been negatively impacted. I had to contact Honda for the details and was told that I had no recourse to reverse the negative report. I wrote XXXX letters asking that the negative marks be reversed because I had not been notified of the delinquency. I never received a response to either letter and never received a valid reason as to why I was never informed that the account was past due. I called Honda to inquire as to the status and was simply told that my request was denied. It was immaterial to them that I have NEVER been contacted by Honda. 

As soon as I learned the account was past due, I immediately brought the account current, took full responsibility for the account and arranged to personally make all future payments. I take great pride in my credit score and Honda lacked empathy and concern to fix their error and acted callously and maliciously by reporting the late payments without ever trying to notify me so I could avoid these negative marks. Honda is a greedy organization with no concern for damaging the credit of an honest, tax paying individual. 

To reiterate, I never received ANY notice of delinquency from Honda and I was ignored when I contacted Honda by mail to resolve the issue. As soon as my credit monitoring agency alerted me to the issue, I brought the account current and have kept it current because I felt threatened by Honda that they would further tarnish my credit score without any notice. To this day, I have not received any correspondence from Honda in any form. 

I am only asking that the XXXX late payments be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/23 a hard inquiry appeared on my XXXX credit report in the name of XXXX. I called XXXX. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact XXXX to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( 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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX  Addresses : The following addresses are incorrect and should be removed : 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 The following address should be added : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-03-21 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: MI

Complaint narrative:
In XXXX and XXXX of this year my credit score was tanked around XXXX points of non payment on this card when the card balance was {$0.00}.

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 2023-03-21 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: MS

Complaint narrative:
On XX/XX/2023 I mailed a letter to Experian demanding proper verification of their claimed debt that they have furnished on my credit report. Per certified mail receipt, they received this letter on XX/XX/2023. 

Experian has responded to me by citing Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act in an attempt to hide the fact that they have not responded properly to my demand that they fulfill their legal obligation. They are attempting to claim that this alleged debt is verified without having ever done any verification. They attempt to say that it is on the creditor to correct the information, but Experian is the one furnishing this information PUBLICLY and harming MY reputation. Which makes them LIABLE and obligated to legally validate their claims.

In the letter I demanded that they send me a sworn proof of verification affidavit to show how Experian is legally claiming that the account XXXX XXXX is in fact accurate, valid, and complete ( per 15 USC 1681e ( e ) ( 1 ) ).

Because I have never received from Experian any sworn statements, affidavit of truth with notary signature, or any statements under oath - there has been no verification made under U.S. Federal Law.

I have also demanded that they have a party identified by position and authority at Experian who has first-hand-knowledge of this matter swearing that I explicitly gave Experian written instruction to furnish the XXXX  account on my consumer credit report. I demanded that they state this under oath, with their wet ink signature and have a notary present, on the previously mentioned Proof of Verification Affidavit ( Pursuant to 15 U.S.C. 1681b ).

I also informed them that I require to witness the original wet-ink contract that I allegedly signed which created the alleged debt which Experian is furnishing on my credit report. ( Failure to produce the original contract agreement will be evidence of fraud in the claim that I owe any debt and that Experian is allowed by law to report on my credit report. ( Pursuant to UCC 3-302 ) ) I am only attempting to have the records corrected to what they rightfully should be legally and lawfully. Each phone call, online interaction, and mail piece are being documented for this purpose.

It would be advisable that Experian assure the records they are furnishing publicly on my consumer credit report are in order before I am forced to take legal action. ( Pursuant to 15 U.S. Code 1681n )

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 2023-03-21 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: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-21 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: Exeter Finance, LLC.
State: NC

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 ACCT # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account name : XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Account name : XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Account name : EXETER FINANCE LLC ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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. 

w/Gratitude

Company response to consumer: Closed with explanation