vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: RFNA, LP
State: SC

Complaint narrative:
Company is reporting incorrect information stating 30 days late when its not. 

I make pay more on my loan that was asked. I did also pay two months in advance. I paid off one plane with them and did another under same terms Account Number : XXXX. 

Shortly after - Called to get due date changed due to job unemployment. Which they stated if cant make payment let us know. However, republic finance company did not and stated there is nothing they can do to Change the date. Ive consistently made extra payments which is either not being applied to the principal or the next month. 

I called manager who was rude to explain, However, he just kep stating that Ive been late.. As for proof of payment history and why wasnt extra money paid in previous months applied to next month or principal.. Also asked for lower Interest rate and they said no. Company does not want a payoff and consistently reporting incorrect information to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.

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 2023-07-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2023-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TD BANK US HOLDING COMPANY
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: MO

Complaint narrative:
I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.

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 2023-07-29 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: NY

Complaint narrative:
I submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.

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 2023-07-29 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: GA

Complaint narrative:
I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 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 2023-07-29 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have a Gap credit card through Barclay, and I have been charged two interest fees every month for as far back as Barclay took over the account -- XXXX of 2022. I have only ever used the card for purchases and never cash advances. I contacted customer service but have not been able to resolve the issue.

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 2023-07-29 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX man and total negligence in giving out a credit card. They refused to give explanation why credit card was denied, after calling and writing several times. Its is probably a case of Racism  and white supremacy. I asked to reapply, and provide drivers license with physical address. However, XXXX XXXX is a XXXX that refuses to reapply.

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 2023-07-29 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: OH

Complaint narrative:
I disputed this XXXX XXXX XXXX account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I paid off my balance. Then I accidentally transferred an extra {$5200.00} instead of sending it to my savings. That was XX/XX/XXXX. On XX/XX/XXXX I requested they return the money to my checking account. Bank of America visa said it would be 5-10 business days. XX/XX/XXXX was ten business days. I called on XX/XX/XXXX and then said I would have the money by close of business day. I still do not have my money. Thats a very scary amount of time to not have my money yet returned to me.

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 2023-07-29 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: TN

Complaint narrative:
CFPB closed my complaint XXXX and the response received was generic response which didnt address any issues after waiting over 45 days for a response. 
I provided all the specific information they requested and still they did not resolve any of my issues. Equifax is violating my rights under the FCRA and I ask for this issue and the fraudulent accounts to be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: MO

Complaint narrative:
I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.

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 2023-07-29 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: MO

Complaint narrative:
I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a complaint to TransUnion regarding an account that was not being updated for the month of XXXX XXXX and XXXX. This account was reflecting an inflated balance that was in accurate as the account was paid in full and at a XXXX balance, I submitted the account statement, reflecting the XXXX balance and requested an update to my credit report. I was denied the update and told that the information being reported was accurate. I would like this account to be updated to reflect the accurate XXXX balance as per my account statement. The in accurate reporting of this information has caused financial hardship and possibly the reason why Ive been denied new issuance of credit. I will attach the account statement to this complaint for your review. I have also contacted the company directly, and they stated that as per my statement the information was reported to Trans Union, reflecting a XXXX balance they do not know why TransUnion has delayed updating the information accurately to reflect my account statements XXXX  balance.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
incorrect information on 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