vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was informed that a late payment of XXXX  days caused an increase of my interest rate from XXXX XXXX to XXXX XXXX. I was not provided a notice that my interest rate had been increase although statements claim that an interest rate " MAY '' increase with a late payment. I have not had a late payment with this credit card except for XXXX. Because I did not receive a notice of change in terms by regular mail nor in any message center in my online card I did not know my interest rate had increased XXXX XXXX for regular purchases moving forward after rate was changed. I made charges after that not knowing and did not have opportunity to decide not to use the card. Future payments are made to lower interest rate balance. In effect compounding alot more interest. I called in and requested a review to please return my interest rate to previous rate. They declined the request.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion will not open disputes for these inquries.

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: GA

Complaint narrative:
I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to XXXX did not respond. Allied Interstate responded as the image I will load titled Exhibit A, they claim they have contracted with XXXX to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file Exhibit A. No proof of claim was sent to me by XXXX instead they contracted/sold my personal information to Allied Interstate while they still report XXXX on my credit profile, at this point I feel deceived and mislead do I owe XXXX XXXXXXXX, XXXX, or Allied Interstate. Allied Interstate and XXXX have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX Bank account and XXXX  account accessed fraudulently and checks deposited. 

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 XXXXXXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: LA

Complaint narrative:
XXXX XXXX XXXX  : # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! 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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TN

Complaint narrative:
There were 3 accounts still open with USBank. A Checking, Savings and line of credit. The balances were XXXX  and the account closed on or about XX/XX/2022 with XXXX balances on all accounts. 
The account had previously had an automatic transfer to go from the checking account to the savings account every month for {$200.00}, On XX/XX/XXXX the bank transferred {$250.00} from the Overdraft line credit to the checking and then transferred {$200.00} of that into savings. They charged a fee of {$12.00} to do this. Since the account was closed they then sent a refund check for the {$200.00} in the savings account. Since the checking account was also closed they then sent another check for {$37.00} for a balance refund of the checking account. ( {$50.00} minus the {$12.00} fee ) All of these transactions were done the same day, XX/XX/2022. 
I received a XXXX check in the mail on or about XX/XX/XXXX. I went to the bank because I knew that there was an error. The bank advised me they couldn't do anything, that I should just wait to get the XXXX check ( I never have ) and then call and see if they will waive the fee. I advised them that this was their error, I gave them the XXXX check and left. 
I withdrew all of my accounts from this bank due to problems with the branch and online banking on another account. It took a bit longer to close this account since it was the main one used, They have charged off this balance. ( I think it went up to XXXX or so ) I would like this cleared and the credit reports for me and my ex-husband updated.

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/23 I received a text from Bethpage Federal Credit Union that someone was trying to charge {$99.00} to my card from an XXXX XXXX. I said NO I did not authorize and they said card was blocked. I called bank next day and disputed other charges made at XXXX in XXXX - one for {$77.00} another for {$30.00} and another for {$150.00}. I also went to the branch in XXXX in person. 
They refunded my money pending an investigation. Last week the bank denied the claim for {$77.00} and for {$30.00} and sent a letter with a phone number and email to ask why. I have called and called and have not received a response. 
XXXX  XXXX they said they are denying my claim for {$150.00} because I didnt file the dispute within 60 days of finding out. But it is not even 30 days! I have all the documentation. Noone calls me back and noone answers the email. My mom went to the branch and spoke to the manager and no help there.

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 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I have mailed a debit validation letter on XX/XX/2023 and I received no written communication rather attempted phone calls. I have also had issues in validating debit over the phone and have been entered into debit repayment plans even after NOT AGREEING to anything of such. I still have not received a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account XXXX 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. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-10-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXXt XXXX XXXX  Account XXXX XXXX has violated my rights. 

XXXX5 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. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
I have been contacting XXXX, XXXX, and Equifax since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for XXXX, whereas Equifax shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between XXXX and Equifax. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between XXXX and Equifax further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both XXXX and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been contacting XXXX, XXXX, and XXXX since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for XXXX, whereas XXXX shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between XXXX and XXXX. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between XXXX and XXXX further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both XXXX and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this 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 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I submitted a one-time online payment totaling {$5200.00} to my student loan account spread out over XXXX loan groups on XX/XX/2023. I received a confirmation email, including confirmation numbers for each loan group, from Nelnet on XX/XX/2023. As of XXXX, XX/XX/2023, the money for that payment has not been taken from my bank account nor credited to my Nelnet account. On XX/XX/XXXX I called Nelnet and, after waiting on hold for an hour and a half, the representative I spoke to was able to locate the pending payments by using the emailed confirmation codes. The representative informed me that the department handling the one-time payments was overwhelmed and that I should expect the payment to post no later that XX/XX/2023. The representative also informed me that the interested accrued from the time I submitted the payment to the payment being processed and posted to my account would not be applied to my account. It is now XX/XX/2023, over XXXX weeks from the initial payment, and there is no pending payment visible on my online Nelnet account and the money has not been debited from my bank account. I have received no correspondence form Nelnet regarding the delay, and I've left in limbo with a large sum of money in my bank account without any concrete date for the money to be debited and posted to my Nelnet account. The lack of proactive correspondence from Nelnet when such a large sum of money is involved, and the delays associated, has been incredibly stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/23 I contacted XXXX and Transunion to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved 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 explanation