vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

SANTANDER XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
Due to financial hardship, I was unable to pay my XXXX XXXX payment. I contacted them at XXXX point to bring the account current as I was due an adjustment. XXXX failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: GA

Complaint narrative:
Great American finance is trying to collect more than {$5000.00} from an account opened online at XXXX XXXX 's back in XX/XX/2022, delivered to an address that is not mine or related to me in any form, I have not opened this account neither have bought nothing in the pass from this retailer, I have filed a police report incident for fraud and identity theft. I filed a dispute on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've been trying to pay my New York and Company bill on line and over the phone. when I go on line to pay my bill and submit my information for easy pay to pay my bill, it says " we're sorry. a technical glitch ocurred and your request could not be completed. please try again ''. when I try to pay over the phone there is not response. I've been waiting on phone for a least an hour and they don't respond. On the other hand it seems I get a sooner response when my payment its already pass do and I have to pay the late fee which is {$41.00} more than my actual pay which is {$37.00}. I hope I could find some help on this matter. Thank you in advance. They also change my credit card number and never receive the new card which its also an issue for me to pay my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was sent an email saying that my new credit card was coming in the mail. I didn't apply for any credit cards. I don't have any accounts with Bank of America. I went to a branch in NY since I was on vacation when this all happened and the branch told me they have no record of me having an account or apply for a card. So I dropped it. However a few weeks go by and on all of my credit reports is the new Bank of America card ending in XXXX opened on XX/XX/22 for a {$16000.00} credit. Again I DIDN'T apply. I called Bank of America and they told me that I had no accounts. I called a different day and got someone to tell me that there is an application in my name but wouldn't tell me anything else. I am writing here because I put in disputes with all the credit reports and BoA said that they will not take it off my credit since all the information is correct. If the information was different then it wouldn't be called XXXX. I have not been able to get BoA to give me a letter saying that I'm not responsible for the charges, close the account, & remove it from all credit sites. I also want to know where the card was shipped and everything so I know for my records if this happens again. I need this account closed and not on my report but again BoA says it is correct even though I said it was fraud and went in person and they told me I didn't have an account. I'm at my wits end. I have filed a police report. I filed disputes with XXXX, XXXX ( which BoA says is me & its not ) & XXXX, FTC trade, I have frozen my credit and they still think this is me. If it is not taken care of I will go to legal action. I have attached the police report, the filed disputes, FTC trade agreement, XXXX rejecting my dispute.

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 2022-07-28 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: PA

Complaint narrative:
Transuion refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, and 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 2022-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went online and saw a house that was advertised by XXXX XXXX who works for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX, SC. XXXX XXXX told me to meet him at his office in XXXX XXXX XXXX and he would have the builder there on XX/XX/2021. When I got there there were people waiting. XXXX XXXX introduced XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the builders. XXXX XXXX said we require {$55000.00} to sell you the land and start building the house. I wrote a check for {$55000.00} and ask who do I make it payable to? The man who XXXX XXXX introduced as the builder, XXXX XXXX said leave it blank I have a stamp. I later found out that XXXX board made my check payable to himself and put it in his bank and scammed me and my bank out of {$55000.00}. I also found out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not and has never owned the land that they sold to me. It was all the housing scam. I called XXXX XXXX and asked him for my money back and he laughed and said all of your money is gone. He gave me XXXX XXXX number and told me to call him. I called XXXX XXXX and left a message and he text me back in DO NOT EVER CONTACT ME AGAIN. I was scammed out of {$55000.00} thinking I was buying a house. They did not have a house to sell or build to me they did not on the land it was all a scam and they stole my {$55000.00} From my checking account.

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 2022-07-28 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: NV

Complaint narrative:
Equifax refuses to remove XXXX fraudulent hard inquiries to my credit report from XXXX Bank, dated XX/XX/22. I am the victim of identity theft and these inquiries are not mine! I have have filed multiple disputes with Equifax regarding this, and most recently they only took 1 day to " investigate '' before affirming that they believe the fraudulent inquiries were indeed factual. I have also reached out to XXXX and been told they have already contacted the reporting bureaus to have this information fixed. I kindly request Equifax actually " investigate '' my file and have these fraudulent applications removed from my report. I tried contacting Equifax via phone at ( XXXX ) XXXX this morning ( XX/XX/22 ) however was only able to reach an automated system, with no option to talk to an actual human about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I've tried multiple times to make a purchase from an online merchant store. Every time the payment is made via the PayPal option listed on the stores website, it is rejected. PayPal put it as pending. And then they reverse it without the payment going through and I can not complete my order. I try to figure out why this is happening on the paypal website and it's not helpful. I don't know what is wrong or how to fix it as paypal will not give me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE XXXX begging you to investigate what is happening on my credit report. XXXX listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX XXXX  XXXX Account Number : XXXX Bal : {$1800.00} 6. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my 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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX  XXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} 5. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX  XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX XXXX : {$390.00} 8. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my 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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, I just received a call from Bank of XXXX they said the won't be able to receive a transfer due to my account being closed they adviced me to contact you to provide new information refer to file I attach with this message Thank You

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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 8. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne is violating the California Constitution usury laws maximum interest rate by charging a 28.49 % APR rate on a SECURED credit card in which I paid {$800.00} for only a {$1000.00} limit. 

Capital One is also charging a {$23.00} monthly INTEREST charge on their secured credit card. 

Capital One asks for a {$40.00} monthly minimum fee and then automatically takes out {$23.00} for a monthly interest fee making it very improbably that Ill ever be able to pay off my secured credit card with the income that I have reported. 

Limit Increases arent possible on Capital One secured cards. Capital One is using deceptive practices by giving the option for a limit increase and then denying all limit increases. 

If I choose to pay off {$40.00} monthly due to it being all I can afford, very little of my balance from CapitalOne ever goes down. Capital One even reported an inaccurate balance of {$1000.00} yesterday to XXXX when my balance is lower than that amount. 

CALIFORNIA CONSTITUTION ARTICLE 15 USURY SECTION 1. The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum

Company response to consumer: Closed with explanation