vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 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: NY

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 has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: NY

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 has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve 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 2023-09-03 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-03 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX noticed an authorized inquiry on my credit report delete immediately. I have attached supporting documents. 1. XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of Education/XXXX  debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department of EducationXXXX has no standing at law against my superior title and ownership over my name 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 2023-09-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
A natural person and a consumer. I am aware of the rights I have, which are secured by the Fair Credit Reporting Act ( FCRA ) of the United States of America. According to 15 USC 1681, the information on the list below has infringed my right as a consumer to secrecy and privacy. 

I reviewed my original credit report, which I bought from your company, and found multiple fraudulent inquiries and pieces of personal information. 

INQUIRIES TO REMOVE- XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022 ADDRESSES TO REMOVE- XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX NAMES TO REMOVE XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On I submitted a consumer credit application to American Express to receive a credit card for my use in commerce. I was declined therefore I emailed the CEO of the company and advised him I believed. it was unlawful for me to be denied my XXXX given right to extend my credit to American Express to pre-pay the card for my use. I advised in the letter I was the original creditor extending my credits as a private banker, first priority creditor of cestui que trust XXXX XXXX XXXX. I then went into detail in regard to several violations that were committed if I was being denied under 15 USC 1602. i have acted in good faith as a natural person. to obtain a credit card from American Express for my private use, family use and home use. they used the consumer report as the reason for the denial. I advised the CEO in the letter I sent the consumer report can not be used due to the fact all debt is pre-paid therefore it was impossible for anything negative to be on the consumer report and if there was anything negative on the report then it was fraudulent reporting and needed to be corrected, which since then just about all negative marks have been removed because of my claim to the credit bureaus of fraudulent reporting because all debt is pr-paid and they removed them quickly. I further explained I knew the process of the financial corporations in the past and I would not participate, in any fraudulent practices of double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX XXXXXXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX  i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. American express must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am asking to have a late payment removed from my credit profile. This mortgage company has not been reporting proficiently to the credit bureaus. I am receiving a 30 day late payment on my credit profile in the month XXXX from a payment in XXXX. I have made payments in XXXX that are not reporting it reflected on my credit report. Its showing that my last payment was made on XX/XX/XXXX which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: TX

Complaint narrative:
LATE PAYMENT DISPUTE They're late payments reporting to my consumer report that are damaging my report. 

According to 15 US Code 1681a - " Definitions ; rules of construction '' ( Exclusions ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There should be NO late payments reporting as that is considered a transaction or experience. 

Under this Code you are in VIOLATION and if not removed will be fined {$1000.00} per late payment violation via Arbitration. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX To whom it may concern at Bank of America regarding my claim # XXXX account ending in XXXX claim amount {$31000.00} I XXXX XXXX am a victim of identity theft, and I did not make these ( charges or withdrawals ). I am requesting that the ( charges and withdrawals be refunded and reinstated ), that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am asking for my account to be fixed and my claim reconsidered and investigated thoroughly clearly truthfully and I be treated as a customer not a criminal. the card that was sent to my address was never in my possession. Somebody stole it and used it without my permission or knowledge therefore making it a crime of identity theft. The bank did not have any security on the cards at that time and I believe lost a lawsuit and was ordered by the judge to refund return and fix people 's accounts from Bank of America associated with the XXXX. So therefore I want to be treated fairly and under the judges orders lawfully to have my account returned to the way it was before my card was stolen. it took the bank over 2 years to notify me of my missing card in my account once I contacted them when they sent a new card that I had no knowledge of. I contacted them the day I received the card and reported the fraud that day as soon as I found out. 
if my claim is not reconsidered fairly and correctly I will be forced to take legal action and take this case to the news and report the bank for not protecting me a customer and treating me as if I did something wrong when they should have been protecting my account monitoring these crazy withdrawals and purchases and spoke with me instead of just letting it happen and now not doing anything to help me recover my lost money. 
I XXXX XXXX have never received or used or given permission for anybody to use my information or anything of my identity to use a card sent by Bank of America. I want a victim of identity theft reported in XX/XX/XXXX to the XXXX informed by the lap that somebody was using my identity and had my mail in their vehicle upon their arrest. The mailboxes at my address have been broken into previously during and after the dates mentioned in my complaint it's an ongoing problem XXXX theft identity theft bank fraud in the area that I live in XXXX California I am clearly a victim of identity theft and would like the bank to reconsider my claim.

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 2023-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint concerning deceptive marketing practices that I believe may have violated Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) by Best Buy, a prominent consumer electronics retailer. 

On XX/XX/2020, I visited a local Best Buy store located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX. During this visit, I made a substantial purchase exceeding {$1000.00} and opted for a financing option offered by Best Buy through their credit card program. The offer presented to me was a 0 % Annual Percentage Rate ( APR ) financing plan over a 24-month period. I was told that the {$1000.00} would be evenly divided into monthly payments over the course of 24 months.

Regrettably, I later discovered that the payments were not arranged as initially described. Instead of the expected 24-month installment plan, the payments were set to " MINIMUM DUE, '' which caused the 0 % APR to expire, leading to a significant accumulation of interest charges over nearly two and a half years. 

This discrepancy arose from what I believe was inadequate clarification and transparency in the marketing of Best Buy 's credit card offer. Unlike previous experiences with other retailers, I was not given clear and accurate information regarding the terms and conditions of the financing arrangement. 

I have attempted to address this matter through Best Buy 's customer service, particularly their credit card department. Unfortunately, my efforts have been stymied. I received a whole bunch of gibberish from their executive team. 

I hereby request the following actions be taken : An investigation into Best Buy 's marketing practices related to their credit card offers, particularly the clarity of terms and conditions provided to customers. 

A remedy for my specific situation, which entails a full refund of all fees and interest charges incurred on my Best Buy credit card account in relation to this purchase. 

I trust that the Federal Trade Commission will treat this complaint with the seriousness it deserves and take appropriate actions to ensure that consumers are not misled by deceptive marketing practices. I anticipate your response within a reasonable timeframe. 

Thank you for your immediate attention to this matter.

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 2023-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
XXXX XXXX  sent me a statement that my mortgage was going from XXXX to XXXX due to my escrow being short XXXX ( my loan payment per the contact is XXXX ) they have already collect that amount and still want XXXX and will not return my payment to normal which is the original letter they sent me stated. They are being unethical and i just want them collect my money and return my payment to normal

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 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had my last direct deposit with Bofa deposit along with some other deposits on XX/XX/31. Totaled about {$1200.00}. I used XXXX XXXX balance add feature to withdraw the majority of it. To XXXXXXXX XXXX there was a {$400.00}, three {$200.00} and four {$50.00} transactions. This all went fine except the second transaction for {$200.00} was declined due to " suspicious activity ''. I tried the same amount again and it worked. The account was now at a {$2.00} balance and I had gotten all of my money out. 

When that {$200.00} was declined, there were two transactions that read " XXXX XXXX balance add '' for - {$200.00} and " XXXXXXXX XXXX balance reversal '' for a credit of {$200.00}. Cancelling eachother out. I go to close the account the next morning and the balance is- {$190.00} and the " reversal '' transaction was gone. I called customer service and they basically said I was lying and that I overdrafted the account. I said how is this even possible with an account that doesn't allow overdrafts? I can't just withdraw {$400.00} when I only had {$200.00} in there? It isn't possible! Their response was I somehow did it and they can't help.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX, XXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. XXXX XXXX must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on transunion.

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 2023-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global lending is trying to collect a debt I do not owe. I have never done business with this company. I have never signed a contract with this company.

Company response to consumer: Closed with explanation