vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
I received a addendum to retail contract from XXXX XXXX  in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX, XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. XXXX XXXX has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My Bank Card Balance ( cash advance ) increased from $ XXXX 27.24 % to $ XXXX 27.24 % with out any ATM transactions. The previous statements show this balance has been paid but the credit card company says that is because of payment allocations. They themselves have no clarity on what's going on as some agree with me and opened a claim that was rejected.

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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LEXISNEXIS
State: CT

Complaint narrative:
I've reach out to Lexis Nexis in XXXX and XXXX of 2023 they have refused to give me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
I am a natural person and living human being that has rights under 15 USC 1681.

It is clear that Equifax which is governed by 15 USC 1681 has violated my rights via their Data Breach and Fake Score admission. 

What is most egregious is that Equifax had not only violated numerous consumer rights but my privacy rights, too. They have given my personal information to third parties without my written consent. 

It is very clear that they have committed identity theft. 

I do not trust Equifax because it is clear that they have used my information for personal gain and have a complete disregard for my well-being personally. 

They are not looking out for my best interest. 

I have been financially, emotionally, and psychologically violated and I want restitution immediately by the removal of the following accounts from my credit report. 

See the attachments for proof of such facts. 

Also, here are the following consumer laws that Equifax Knowingly and Willfully Violated : 15 USC 1681 Accuracy and Fairness of Credit Reporting 15 USC 1681 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ) - This one includes the right to privacy 15 USC 1681b Reasonable procedures 15 USC 1681b ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. 

You will also find, via attachment, the info. about my Equifax Data Breach and Equifax Fake Score admission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One {$13000.00} Charge off XXXX 15 USC 1681 Section 604 States right to consumers privacy.

Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
Problem is credit bureaus have inaccurate information on my credit report such as dob telephone number and address

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 2023-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Problem is credit bureaus have inaccurate information on my credit report such as dob telephone number and address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
1. American Express website was difficult to navigate in terms of disputing transactions in previous billing cycles. 

2. XXXX charged me the same transaction of XXXX thirty times. 

3. I would like 29 of those transactions refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
Transunion continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT THR CREDITOR DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information Transunion is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Its a Macys store credit card. At the beginning of Covid, I called and requested to be put on a forbearance. It was approved and they reported me as late the following two months. I shouldnt have been reported as being late since the forbearance had already been approved, and I was told by the person who handled the approval that I didnt need to make any payments at that time.

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 2023-04-24 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: GA

Complaint narrative:
XXXX continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT XXXXXXXX XXXX DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information XXXX is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.

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 2023-04-24 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I had a car accident in XXXX of 2018 that led my car being totaled. Credit acceptance knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.

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 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased tickets through XXXX XXXX. The original charge was for {$1200.00}. After the initial charge, XXXX charged my account for each ticket individually causing my account to go negative because the charges were done twice. Upon contacting CapitalOne I was told that there was nothing they could do to help me because some companies do that to protect their transactions. They told me I would have to wait until the pending transaction dropped off on its own. 

XXXX essentially double dipped and overdrew my account but MY bank can not do anything to protect my interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance

with the written instructions of the consumer to whom it relates. Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2023-04-24 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: FL

Complaint narrative:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates.

Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged a foreign transaction fee for a purchase I made on XX/XX/2023. I was surprised to see the charge as 90 % of the credit cards I own don't charge a foreign transaction. I called to ask if it can be removed, and the first rep. said he will remove it and put me on hold to do so, and then the line got disconnected ( I the time I thought, this was accidental on their end, but now I suspect it was INTENTIONAL ). Then, I called back and told what happened to the new rep. that picked up, and she said if I have not had a fee waived in 12 months, she will be able to waive it for me. She checked and verified that I did not have any fees waived in the past 12 months, and said she waived it for me. 

One week passes by, and I notice the fee is not credit back to my account, so I call to follow up, and the rep that answered said it was waived and will be posted by XX/XX/2023. XX/XX/2023 came and went, and the fee was still not credited back to my account! So I called today ( XXXX ) to follow up again, and asked to speak to a supervisor this time. A supervisor by the name of " XXXX '' answered and notified me that they do not waive fees, and I have to do it at a 'local branch. '' She also told me that their are " no notes '' indicated the fee was waived by any of the three reps I previously spoke with! All the reps lied to me and the first one even hung up the phone on me! 

So, then I called my local branch of " Bank of the West '' just XXXX mins ago, to ask them to waive the fee, and she told me she has no access to my Bank of the West Credit Card, and that I would need to call the XXXX on the back of the card to get the fee waived! Which is what I already did and explained here what happened! 

This bank of lying to their customers and hanging up the phone on them! They have the WORST service I have ever come across!

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank customer since XXXX, first time victim of a stolen check and check forgery. Check {$9400.00} was payable & mailed to XXXX XXXX Treasurer office in XXXX. It was stolen and altered in the payee & memo lines then cleared by Citibank. I detected the forgery check in the last week of XXXX online and reported immediately by phone. Then file a claim at the local Citibank office. Citibank denied my claim and appeal because I file the claim not within the time limit.. Check was cleared in XXXX XXXX. I couldn't report the crime when I did not suspect or detected the forgery check. I have paperless monthly statement, therefore I do not receive a paper copy by mail. And during the month of XXXX & XXXX, I have difficulties going online at Citibank website. It was not accessible many days. Then if I can login I only can view one task then it locked up. Citibank website was reconfiguring the website. I called for help technical support many times. To proof that I COULD NOT access my account information, during XXXX & XXXX, I had to call customer service to retrieve copy of checks for my tax accountant. And I have copy of the Citibank respond letters. Please help me to appeal to Citibank to credit my checking account {$9400.00}.

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