vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2023-02-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. 
I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
XX/XX/XXXX Called Comenity Bank to payoff/close my XXXX credit card in full. Payment processed over phone XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and was told consisted of additional accrued interest and late fee ( even though they had assured me my payment in XXXX would pay off in full ). Payment processed over phone. Assured payment would zero out balance in full. Comenity reported payment 30 days late to credit bureaus flawing my perfect credit history XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and spoke to 2 supervisors. Not cooperative at all or willing to rectify error on their part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a CD account online on XX/XX/2023 for {$30000.00}. The CD account was still pending on XX/XX/2023 but the funds were withdrawn from my funding account. I called to inquire about the account but was given the run-around from their account associates. I eventually spoke with a manager ( XXXX # XXXX ) and was told there was a hold on the funds. He referred me to the 360 CD Account Disclosure page on their website. I read through the disclosure and didn't find anything for holds on funds. I asked XXXX where it was located. He was getting irritated that I asked but he put me on hold. 10 minutes later he returned and reluctantly said the hold was not disclosed in the CD section ; it was disclosed in another section. So I told him that this hold was not disclosed at the time of my account opening. He would not answer. This is an unfair and abusive act and practice. They took my money and would not open the account. I can be earning interest elsewhere. How many consumers will they harm before someone puts an end to this abusive process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IL

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. 

Account name : XXXX XXXX, Account # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXXXXXX, Account # : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A few weeks ago I noticed on a credit monitoring service that I had a balance due on my Citi credit card. The reported date was XX/XX/XXXX. I tried to access my account on XX/XX/XXXX and received a notification saying that the account was locked and I needed to contact technical support. I called the technical support line and the person on the other end stated that my account access would be restored in " 5 to 7 business days ''. 

I tried to access my account on XX/XX/XXXX and my account was still disabled. 

This evening, XX/XX/XXXX, I spoke with account manager " XXXX XXXX '' and she confirmed that my account had been closed on XX/XX/XXXX. When asked why I had not received any notification that my account was due to be closed, the account manager stated that sometimes the system closes accounts without any email notifications sent to the consumer. 

" A notification was posted to your account directly. '' The account that I could not access. 

Citi has my email account, I last received emails from them back in 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 2023-02-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I was misled about my credit being run by Nissan XXXX XXXX, Through conversations it was understood that my credit was not to be ran. But it was several times. I connected Nissan about this and was told there wasn't anything they could do. Then a few weeks/days later they ran it several times again. I called them they responded saying they have 30 to run my credit. I demand my information be removed from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
1. LexisNexis inaccurately published and reported an eviction judgement on XXXX XXXX XXXX report to XXXX XXXX, XXXX XXXX  and subsequently XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX as a judgement for the plaintiff. The eviction case # XXXX was appealed as of XX/XX/XXXX and subsequently dismissed as of XX/XX/XXXX. 

2. LexisNexis inaccurately published and reported an eviction judgement case # XXXX on XXXX XXXX XXXX report to XXXX XXXX XXXX XX/XX/XXXX as a judgement for the plaintiff. 

Damage : The inaccurate reports defamed XXXX XXXX XXXX rental history causing her to unfairly being denied housing ; resulting in homelessness for her and her child, increased cost due to temporary housing accommodations and lost funds due to the cost of the rental applications. 

Remedy : Remove the eviction from XXXX XXXX XXXX  consumer report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: MA

Complaint narrative:
My name XXXX XXXX XXXX and I want the fraud alert permanently deleted from my file. I have called several times and also tried to delete it online but your staff and system was having technical problems doing so, I didnt ask to have this alert placed on my account and its causing me mental distress. Please delete it 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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have several open cases and have not had any results from this fraudulent information being removed from my credit report. I am keep being told this information has been verified by a 3rd party vendor they use for Public Records. According to my attachment below - ( marked : XXXX XXXX XXXX XXXX ) Transunion states on their web site any " Bankruptcy information collected prior to XX/XX/XXXX the public record information is verified via XXXX XXXX '' I spoke with a manager XX/XX/XXXX @ XXXXXXXX XXXX MST. I told her I received yet another result stating this has been verified- By Whom they will not release this information to me. I have asked several time and have been told " We CAN NOT release who verified this information because we just know its a 3rd party company. ". I told her will according to your site it states who you verify this information thru based on dates information was collected is that not accurate and put there to mislead consumers. She could not answer me there and continue to state " IT'S BEEN VERFIFIED '' that's all she can say. 

I have told her i have been trying to remove this from my credit for over 4 years now. I am not just calling to waste time. This has been stressful and they will not take any action. I have filed a police report and I have file a complaint to FTC and also filed a complaint with CFPB 3 times now. 

As a consumer I have rights and for Transunion to continue to deny me those rights and listen to me state this is " FRADULENT INFORMATION and the person they are verifying this with also has fraudulent information in their system. 

According to FCRA statue- I can request a description of how this information was verified but I am being told they can not release this to me. I have this issue only with TRANSUNION.. I requested this also with the other 2 as fraudulent and it has been removed from my 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 2023-02-15 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2023-02-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy 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 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. 


PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX  XXXX XXXX Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I disputed the {$50.00} amount with XXXX and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to AllianceOne. I have sent correspondence via their online website and postal mail disputing the amount due in XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023 I went to the drive through at Bank of America in XXXX XXXX NY located on XXXX XXXX XXXX I deposited {$460.00} cash into my checking and account it only acknowledged {$260.00} dollars the screen displayed a error message and asked me what was the total deposit then it begins to do a countdown I was unable to answer because the screen went blank. I received a error message slip took it into the bank and they informed me the drive through does not belong to Bank of America and gave me a number to call, I called the number gave them needed information I was then told it would be investigated and would take 2-3 business days I informed them I needed access to my funds to take care of car insurance the gentleman then told me he understood and would reach out to his Supervisor he then told me I would be credited the {$200.00} that day. The credit was not in my account my bank account then went into the negative I called again and informed them of the issue they they told me its being investigated and it would take 10 business days to sort it out.This is mot ok it has inconvenienced and caused me bank fees that I should not have happened and theyre lack of urgency is negligent.

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 2023-02-16 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022.

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 2023-02-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation