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: FL

Complaint narrative:
To Whom It May Concern I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give them written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681.

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 : Is where it 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.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, 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:
Prior to covid XX/XX/XXXX I was laid off from my job, so I file for unemployment. I wasn't notified from XXXX XXXX XX/XX/XXXX. During XXXX XXXX XX/XX/XXXX, I was hospitalized due to the XXXX XXXX XXXX. During the time I was hospitalized I became a victim of fraud due to Bank of America EDD mailing my documents and benefits card to an unknown address, After submitting documents such as police reports, medical information, and law enforcement agency handling the case contract information, Bank of America EDD still refuses to rembruise the fraudulent charges except {$3000.00} that was approved in XXXX, later Bank of America EDD reversed their decision regarding the approved amount, causing my account to be overdrawn. They are only reversing the fees caused by the fraudulent activity from XXXX and XXXX, not the {$63000.00} that was stolen while I was hospitalized on a XXXX XXXX for four months.

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 2023-09-03 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number 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 -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 -- -- in accordance with the Fair Credit Reporting act XXXX Account Number 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 ----

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX I mailed a certified letter to experian and it was returned to me. i don't why it was but it happened. the was inform that has two accounts that was reporting in accurate on my report. one account was XXXX XXXX XXXX and the other was XXXX XXXX XXXX. both of the accounts are inaccurate. since the letter was undeliverable and returned and not opened i need action

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: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: GA

Complaint narrative:
They email and call me constantly but all but refuse to show me where this debt is from.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive been a victim of identity theft since XXXX along with the Equifax data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another XXXX, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another XXXX, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have contacted Experian to express that ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. Omit the following names as my TRUE name can be verified on my supporting identification.

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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX i mail a letter to ally financial. because i saw a copy of my XXXX credit report and notice it has an inquiry on with date of XX/XX/2023. i didn't authorize this inquiry. 
in my letter explained that the are in violation of the fair credit reporting act 15 u.s.c. 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX consumer report on XX/XX/2023 without my authorization or permissible purpose under the 15 u.s.c. 1681 fcra and its guidelines for permissible 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 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: DISCOVER BANK
State: AZ

Complaint narrative:
Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another discover, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. Discover and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.

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 information incorrect
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Please be advised this will be the last time I complain to the Consumer Finance Protection Board about Harley Davidson Financial ( HDF ) as it relates to the information HDF is reporting to XXXX. Keep in mind, there is an expiration date, one day I will no longer have to deal with HDFs poor business ethics and practices, unprofessional conduct and substandard credit reporting clerks. Bottom line, each and every time I have disputed, complained and or notified HDF about the information HDF is furnishing to XXXX, rather than update XXXX ; HDF modifies the account descriptors on my XXXX credit file. No changes, updates or account descriptors are reported to XXXX, even after HDF wrote accurate information would be reported to XXXX. Is there a glitch in your credit reporting to XXXX? Does XXXX believe it is XXXX as it relates to my disputes? Are your credit reporting clerks competent? Is your failure to furnish accurate information to XXXX punitive, malicious and or spiteful? The following dates accurately reflect how when I complain about XXXX, HDF notifies XXXX : ( See attached ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please pay attention to the attached XX/XX/XXXX XXXX DESCRIPTORS FOR AN ACCOUNT LISTED ON YOUR CREDIT REPORT HAVE BEEN UPDATED. This is downright shameful and a corporate disgrace, what sense does it make to dispute a XXXX balance reporting on XXXX? Playing these types of games with my credit file because you can is a clear reflection of the lack of morals and ethics in this profession. So if HDF is empowered by falsifying the truth to XXXX, so be it. Have at it Harley Davidson, shame on you! FYI for anyone at the CFPB who cares, the last time XXXX reported information to XXXX was before my initial complaint to the CFPB, the last reporting was XX/XX/XXXX! The process of complaining to the CFPB is worthless, just because the CFPB does not advocate for the consumer does not mean you allow businesses to treat consumers as I have been treated. I plan to notify XXXX XXXX, FTC CHAIR in the hopes she will help me. 

ALL OF THE XXXX ATTACHMENTS WERE PRINTED FROM XXXX XXXX XXXX ... XXXX Be Well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Closed the account, did not return the credit balance, as requested, several times. 

Account number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
When I explained the high interest rate, they stated that I signed the agreement! My complaint was that I was a Veteran and when I signed the loan agreement I was under the thought that they knew the Veteran and Consumer Fair Credit Act! Their response was that I was not in the military. Again I explained that I was wounded in combat and receiving compensation and gave them the date my XXXX check was deposited, which meant I am a Veteran! 

I also have a loan with Lendumo Finance, with the same complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
The payment that they have me on I cant afford at all and when I was making nothing they had my payment high. XXXX I try to get the information from my taxes and my payment is to high and everything is high when you are trying to get a house and food and kids as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
When requesting a credit increase from Capital One they deny the request and give a false reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am writing an extension to complaint XXXX. Although NewRez has previously stated that these complaints are similar, please note that each incremental complaint does in fact represent a new problem in this ongoing saga. 

This time, NewRez has pulled two payments within the span of two weeks, so in effect, they have prepaid themselves the XXXX payment a month early. NewRez customer service re-set up our automatic payments after we received the XXXX autodraft cancellation notice, so this error is firmly on NewRez ' side. XXXX XXXX, a supervisor, supposedly restated these on XX/XX/XXXX at approximately XXXX XXXX but apparently had them start a month early resulting in a second payment that was applied to XXXX. 

Once again, we see NewRez making it difficult to predict how and when the mortgage will be paid, which makes it much more likely that the homeowner will experience fines and fees. 

Furthermore, NewRez has not been pro-active in assigning this additional payment to the principle but rather pre-applied it to XXXX, therefore not correctly adjusting the interest owed given that they are holding an extra couple XXXX dollars for an entire month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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:
XXXX states on remarks that a payment was made after charge off trying to make my report as bad as they can which is a violation of the FCRA this trade line must be deleted at once to keep up changing my report to read bad when its paid off by canceled 1099c pprove is in the letter theey wrote to me charge off date XX/XX/2022 last payment was on XX/XX/2022 so where is the payment after charege off delete this trade line

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 card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I created a payment plan with XXXX for an online purchase ( a XXXX retail credit card through Fortiva was opened ) Id elected to have text notifications about my bill/account status and for the entire year of payment communicated with fortiva via text. 

I was notified by my credit monitoring application, soon after paying the final requested payment to fortiva, that a new account had opened. 

I contacted the company and spoke with management who stated that because I was eligible a separate account was opened for {$1000.00} with fortiva directly. They did NOT contact me via text/phone and I did NOT consent to them using my ssn to open ANYTHING!! I have given the company multiple days to correct this until today I asked via chat to have the account closed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation