vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NC

Complaint narrative:
XX/XX/XXXX I busted an XXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-10 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: NC

Complaint narrative:
XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-10 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: GA

Complaint narrative:
reach out to all parties to remove this fraud account from 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 2023-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
reach out to all parties to remove this fraud account from 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 explanation
Consumer complaint received 2023-03-10 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:
n accordance with the Fair Credit Reporting act XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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

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 2023-03-10 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be 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 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I've been making my payments on time and applying additional principal to my payments. My principal applied to my payments had been going up why interest going down but my last payment, the principal decreased and interest rose. My monthly payment is XXXX and I originally was paying XXXX. I found out after doing this, they weren't applying the additional money to principal by just reducing my next month 's payment. So I called and they told me that I would have to call them and have the payment changed to reflect the additional principal to come out, which I did. Here how payments were applied. 

DATE ACTIVITY AMOUNT - XX/XX/XXXX Payment received. {$720.00} ( {$650.00} principal + {$67.00} interest ) XX/XX/XXXX XXXX {$60.00} XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XX/XX/XXXX Payment received. {$720.00} ( I made payment of {$800.00} ) ( {$550.00} principal + {$160.00} interest ) XX/XX/XXXX XXXX  {$73.00} As you can see, my XX/XX/XXXX had less principal applied and interest increased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
Good morning, I'm being approved for the Homeowner Assistant Fund Program since XX/XX/2022 for 17 future payments. Since XX/XX/2022 I'm trying to find where my payments are for XXXX, XXXX and XXXX. Every time I called ; they responded that no checks are arrived. HAF are sending the checks every month and when I contact them, they have the checks for XXXX, XXXX cashed already. This is the first time that the posting of the payments is taking so long. The last time that American Financial Network responded me complain they reply to the following. : Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you've experienced with loan payments. Please note that as we previously advised you, your payments are handled by our third-party servicer, XXXX. Their phone number is XXXX. Calling them directly is one possible way to get current information on your payments. 

When I called the number, they gave me is American Financial Network, so I don't understand why they are saying that is XXXX. I can't communicate with XXXX by phone or email only with American Financial Network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CA

Complaint narrative:
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I did not receive the {$300.00} statement credit that I was entitled to. 

On XX/XX/22 I applied for a Delta Skymiles American Express card. The sole reason I applied for this card and not another airline affiliated credit card was the incentives attached to the card. 

Incentive # 1 was I would receive a XXXX skymiles if I purchased {$2000.00} or more using the American Express card in the first six months. I fulfilled this obligation and I was awarded the XXXX skymiles. 

Incentive # 2 was I would receive a {$300.00} statement credit if I made a Delta Airlines purchase in the first six months. When I was approved for the Skymiles AMEX, I purchased two tickets to XXXX XXXX using the temporary card # that American Express emailed me ( XX/XX/22 ). Under the promotion I was working within, I fulfilled this requirement. However, after waiting 8-12 weeks for the statement credit like the webpage indicated, I did not receive the {$300.00} statement credit. 

I've reached out to American Express customer service 3 separate occasions and they will not honor the {$300.00} statement credit incentive. The response I keep getting is that the {$300.00} statement credit was never tied to my account, therefore I'm not eligible. I have a screenshot of my offer moments before I completed the online application just for this situation... something not being honored. I shared to American Express that I have this screenshot, yet they declined to receive it when I asked where I can send the screenshot for verification of my offers at the time of applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Kashable LLC
State: GA

Complaint narrative:
Contacted kashable LLC they provided documentation stating that account was paid as agreed and never late XXXX keeps reporting late payment I have disputed for two months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX of this year, Truist Bank changed the terms of my checking account, ( which I have had for at least 8 years ) without notifying me. 
My account had never had a minimum balance requirement before. Suddenly I had a {$25.00} charge on my account and was then told by my bank that my checking account now has a {$25000.00} minimum balance requirement to avoid fees. 
This change was never disclosed to me. I was then forced into a different checking account to avoid these fees. My new checking account does not have the same benefits as my old one. 

I believe the bank did this to force me out of my checking account which had good benefits.

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 2023-03-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax just reported a 30-day late mark ( XXXX XXXX ) on a XXXX account for a car that I paid off with a trade-in at a local XXXX dealer in XX/XX/XXXX. In addition, Equifax reports three consecutive " 60-days-late '' from XXXX XXXX. This clearly violates the FCRA, because the payment history is false and inaccurate. It's also a deliberate attempt to damage my credit. 

I DEMAND that ALL of these late payments be removed IMMEDIATELY from my Equifax credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
We recieved an email from what looked to be Best Buy XXXX XXXX XXXX. They used these offical logos. Because we have used these companies in the past it looked to be legitimate! I call the number given XXXX XXXX XXXX XXXX and they tried to get me to log into a web site they sent me to to pay the debt that was on the invoice. I got suspicious and hung up and went do further on the computer. I called Best Buy and asked about this charge and there was no such bill issued by them. They informed me that this was definitely a scam and I was to report it.

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 2023-03-10 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: NCB Management Services Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX act # XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B states that a creditor can not treat a payment under a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I sent a certified letter and XXXX by regular mail requesting information on this debt. I also asked for proof of their authority to collect this debt and their license and bonding required to collect debts in Florida from a Florida  resident.. The return receipt shows they received the letter on XX/XX/2023. 

XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Collection on my Credit File Account Number : XXXX Amount : {$500.00} Account Number : XXXX Amount : {$1700.00} The {$500.00} collection was removed ; the {$1700.00} remains and no response from the collection agency. 

Since I never received anything about this debt, I sent a second letter stating I had no knowledge of this account or debt, never was at the hospital and asked them to remove it. No response since through XXXX. I also called XXXX and was put on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IN

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts violated my federally protected comsumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowingly or has reasonable cause to believe that the information is incorrect.

There are inconsistencies in my credit reports and want this incorrect information deleted immediately. 

XXXX XXXX XXXX XXXX XXXX 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened an account with Bank of America in XX/XX/XXXX. I had recently started my new business within a year ( XX/XX/XXXX ) of opening an account with BOA. I was provided a business credit card and a personal credit card which when looking at the statement, it combined the 2 cards with providing the credit card balances and the total credit limit. I mistakingly made payments to the business credit card verses the personal credit card account which led to a 30 day late. I called BOA to explain that it was an oversight on my part and I immediately paid what was due for my personal card. I verbally asked if this could be forgiven as the statement was confusing. The said they would submit a request for it to be removed. I made several phone calls since that time and have rejected my request for removal from my credit report. I have an excellent record of paying on time.It is now causing me a financial hardship for my new business as it is driving down my credit score and lenders are refusinf to consider me for a loan because of the 30 day late on my 3 credit reports. BOA refunded me the {$29.00} late fee with ease. The time frame is from XX/XX/XXXX to the current month of XX/XX/XXXX. I am uploading documents I have available. I WANT TO CLARIFY, THE LAST TO PAGES OF THE UPLOADED TBOA DOCUMENT IS TO SHOW THAT THEY ARE REDUCING MY CREDIT LIMIT TO MY BUSINESS CREDIT CARD DESPITE MY ON TIME PAYMENTS ( THIS WAS JUST AN EXAMPLE TO SUPPORT THAT I BELIEVE I AM BEING TREATED UNFAIRLY ) I ONLY WANT THE ACCOUNT NUMBER LISTED TO BE ADDRESSED in this complaint. Thank you kindly for your assistance.

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The MMC company is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This MMC company calls me every day and leaves me voicemails. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
There is a credit card that is reporting on my credit that is not mines. Someone stole my personal information and have been using it to get credit cards in my name. I need this removed from my credit report immediately.

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 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I. the consumer and natural person. was denied credit by AVANT when I applied for a {$3000.00} personal loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Avant- is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Avant due to the response I received.

Avant is in violation of 15 U.S. Code 1642.

U.S.C 168lm and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AVANT because XXXX wasnt approved for the loan

Company response to consumer: Closed with explanation