vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In according to 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 privacy. 15 U.S.C section 604 A section 2 : A consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have store credit from Zales, credit company is Comentity. 

They have consistently been sending their bills late. When they do arrive on time, its usually 2 to 3 days right before the due date. In addition, I have been consistently having trouble with making payments over the phone. Glitch after glitch, also the numbers to call is different each time, and on top of that they're threatening to charge me {$9.00} for a convivence fee just to make payment over the phone. Their statement don't even have the full credit card number, but their automated system is asking me for it. 

As a result, I am being unfairly charged over a {$100.00} worth of late fees. I don't know if this is just gross incompetence, or intentional as part of their scam. 

I have already contacted both Comentity 's and Zales ' customer service departments about a week ago. Comentity just blew me off and I haven't heard from them ; Zales ' passed the buck to Comentity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In according to 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 privacy. 15 U.S.C section 604 A section 2 : 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 2023-10-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In according to 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 privacy. 15 U.S.C section 604 A section 2 : 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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CRED Technologies dba cred.ai
State: NJ

Complaint narrative:
On the XXXX of XXXX XXXX, I was informed via email about the closure of my cred.ai account. In pursuit of clarification, I promptly sent four emails that very day. On the subsequent day, the XXXX of XXXX, I dispatched a formal email, explicitly requesting a response within a 24-hour window. Regrettably, I received no correspondence in return. After the stipulated time had passed, I issued a follow-up email detailing my intentions going forward, which also went unanswered. 

Subsequently, I lodged an official complaint with the XXXX XXXX XXXX ( XXXX ). After a fortnight, they replied, claiming to have sent an email on the XXXX of XXXXXXXX XXXX However, I have no record of such communication. While they suggested I could seek information via a phone call, I emphasized, through the XXXX  my preference for a written explanation. As of now, I am yet to receive any form of communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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. 
Account XX/XX/XXXXXX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX : # XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX : # XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
EQUIFAX is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with myXX/XX/XXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights. 

I would also like to highlight that I never granted EQUIFAX explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EQUIFAX 's actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: WV

Complaint narrative:
I was moved from XXXX to Mohela for PSLF. Before which I put in an IDR application. That application was never processed. I put XXXX in with Mohela and it hasnt been processed though that was filed on XX/XX/24. Ive messaged them about it and received no response. 

I have received several confusing letters which I also requested info about and still havent received an answer for either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
I was contacted about a debt from a third party debt collector about an assume debt. I believe my information was stolen and used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am filing more complaints against SPS because of the unfair treatment I received in setting up a repayment plan that I can not afford. The payment is too high, and it not based on my current income and expenses, they also ignored my serious health issues. 

I am very ill, and my mortgage crisis is really taken its toll on me, we don't seem to be getting anywhere. I am going to file another complaint because you don't seem to do anything positive about my mortgage and it really bothers me, I sincerely hope that we can work together even though I am very sick. My XXXX XXXX XXXX XXXX and what happens if I pass away. I need to know before an event happens. Please it's not a good idea to foreclosure when I am facing death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, FTC Report Number : XXXX Hope your day is well. You are reporting a fraudulent account on my Innovis credit report. I need that account deleted based on FCRA law. I already have filled an FTC Report and sent it to you a month ago. 


Account name : XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Please fix this immediately, this is my 2nd letter and I have trying to buy a home. 

Thanks for your help,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account : US DEPT ED : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I have no idea why I have this debt, think it came from a service I never got anything from and they took out a loan in my credit card, now they keep harassing me with phone calls and I want it to stop. Im not paying for something for a service I didnt receive. 
They call me with the same message These are dates theyve called me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an attempt to collect a debt please do not erase this message until you call us at XXXX again that number is XXXX thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I established a personal Citi Bank checking account ( Account # XXXX ) as well as a business account ( XXXX XXXX XXXX # XXXX ). I use the personal account frequently for daily expenses and I also use this account to wire money to my family in the XXXX. My family members are very poor and I send frequent small dollar wires to the XXXX to pay for food, housing and medical bills for immediate and extended family members. 

About 6 months ago I received a letter from Citi inquiring about the wires I was sending from my personal accounts. I called and explained that I send wires to the XXXX to support my family. Citi bank thanked me and the call was short and sweet. I thought there would be no further issue. 

However, in XXXX all of my acconts were closed. Both personal and business. I was able to receive the funds from my personal account but I was unable to access the funds from my business account even though Citi said I had until XX/XX/2023 to withdraw the funds. 

Sadly, I believe I am being discriminated against because I am a dark-skinned immigrant. I went to the branch and they told me they had no information to provide me on why my accounts were closed.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, On both dates XX/XX/XXXX and XX/XX/XXXX XXXX received an email from Chase saying Thanks for requesting a new credit card, also received an Hard inquiry on credit karma. This was NOT me requesting any credit cards. I immediately called Chase at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from credit Karma notifying me of another hard inquiry from XXXX XXXX  which I DID NOT request. I will be calling XXXX XXXX on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, XXXX, XXXX, and Equifax for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, Experian, XXXX, and XXXX for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.

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 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I opened a business account just two weeks ago at the XXXX XXXX ( XXXX ) Business Center XXXX XXXX XXXX XXXX, XXXX CA for a new business. After opening the account with the business account representative XXXX, we both walked to the front counter and deposited {$10000.00} case into my BOA Business account with the business clerk. She counted the money in the machine and then said she would deposit the funds. Today I logged in and noticed that my Bank of America Business Account balance is XXXX XXXX. There is no transaction or transfer history as I have not even had a chance to use the account yet. 

Where is my money? I am going to miss a bid on a property for my business because of this!! The money isn't there. 

I have cc'ed the account representative tha assisted me with opening the account. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA Acct : 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} XXXX with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified XXXX Mail Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Certified XXXX Mail Receipt # XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries ( 9 total ) that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Transunion report immediately, in accordance with my rights uner the Fair Credit Reporting Act. See attached letters and info. 
XX/XX/XXXX( Bank ) XX/XX/XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX( Finance ) XX/XX/XXXX XXXX. XXXXXX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXXXX/XX/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