vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: MD

Complaint narrative:
XXXX XXXX { XXXX XXXX XXXX, XXXX Maryland XXXX { XXXX } XXXX : XX/XX/1995 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : { XXXX XXXX } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

16811 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you ple
ase send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland 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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has not been able to provide me access to online banking after calling XXXX times. The support team just keeps on transferring me. There was a fraud in my account and a new account was then created for me, ever since have not been able to access online banking even after talking to Citibank for XXXX XXXX I can not access my funds. I need access to these funds asap. This is my XXXX complaint here still no one fixed it for me. This bank should be regulated better and its a shame. Please fix the issue so that I can access my banking and can have access to MY OWN MONEY!!!!

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 2022-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I really need someone to look into where my refund is and providing an actual status. I submitted my request in XXXX and EdFinancial seems to have no idea where it is and is blaming XXXX XXXX. It has already been passed the XXXX XXXX XXXX. That is absolutely absurd. 

XXXX XXXX  filed their refund request XXXX XXXX after I did and had a completely paid off loan and have already received their refunds. 

It should not be this hard to provide an update to where the money is. Has it been processed? When can I ACTUALLY expect it? The XXXX XXXX XXXX XXXX doesn't apply since that has already passed. 

This my XXXX attempt trying to get some information because customer service is not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX Kia XXXX XXXX was repossessed and sold at an auction XXXX XXXX. I called Kia finance America today XX/XX/2022 for the details related to the sale because on my credit report its reporting as a XXXX balance due. I called XXXX XX/XX/202XXXX XXXX XXXX XXXX to request the bill of sales for the car sale transaction I was told by an employee that they dont have it. Employee stated that the auction doesnt provide a bill of sale to them. I said okay and hanged up, I called back again at XXXX XXXX to inquire how much the car was sold for the I spoke to the same person and this time around she was extremely rude and snappy at me. I asked her well how much was the car sold for? I was told {$22000.00}. I hang up and I called again for the XXXX XXXX to request in writing that my debt was essentially paid off in full. I got transferred to their lawyer department was on hold for XXXX XXXX and when someone picked up the phone they just abruptly hanged up. I just want the documentation that I was supposed to get in the XXXX  place stating if I owe any money or not. Which I know I dont owe anything because If I did XXXX XXXX XXXX sure they will be breathing down my neck for their money.

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2022, I saw that Barclays decreased my credit limit by half. Initially my credit limit was over {$7500.00} ; then they randomly decreased it to {$4500.00}, now they've decreased it again to under {$2000.00} with no explanation given. 

I believe this was done in retaliation to a complaint I made to Barclays customer service department on XX/XX/2022. 

I made a complaint to Barclays on XX/XX/2022 due to bad customer service in relation to the XXXX XXXX fees added to my account. I expressed to the rep that I unknowingly used the Barclays card for a XXXX XXXX not knowing this was considered a cash advance. I was charged XXXX times for a XXXX XXXX fee on the same XXXX. Had I known about the fees, I wouldn't have used the card XXXX times. It's incomprehensible to knowingly make that type of mistake. The customer complaint case number is XXXX. 

Retaliation because of a complaint is unacceptable. There decisions to continuously decrease my credit limit negatively impacted my XXXX XXXX, which is interfering with my livelihood. 

I've never paid a bill late in the XXXX XXXX I've possessed the Barclays card, and I am greatly dissatisfied with their actions. 

Whenever I ask to speak to a customer rep, the call is outsourced to someone foreign, making the communication extremely difficult.

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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America closed my account and has reported on my consumers reports due to fraud. I explained to them I was a victim of identity theft, and they need to remove the report. There is no money due on the accounts just a negative mark on my reports.

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 2022-12-22 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: DISCOVER BANK
State: MD

Complaint narrative:
I reached out to discover for debt validation and upon checking the statement received and charges. It shows there was an outstanding balance as of XX/XX/2020 for {$1800.00} but after checking on credit reports, it shows discover reporting I owe {$1900.00} which was not provided on the statement/validation received from them. 

Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Statement was for XXXX XXXX XXXX and after the account was closed, it shows on XX/XX/2020. It shows I had an outstanding balance of {$1900.00} but the validation was wrong as it states I owe {$1800.00}. Investigate this and do necessary deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: ND

Complaint narrative:
XXXX XXXX. Inaccurate and false info included in credit file.

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 2022-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/22, I spoke with Experian to correct my personal information, I was told they could not update my information until I contacted several creditors to give my accurate address to them first.

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 2022-12-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # 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 an 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 or 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 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Identity Fraud. Inaccurate and false info included in credit file.

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 2022-12-22 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: ND

Complaint narrative:
Identity Fraud. Inaccurate and false info included in credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 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 an 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 XXXXXXXX XXXX 

15u.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 non-monetary relief
Consumer complaint received 2022-12-22 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: FL

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 u.s.c 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 XXXXXXXX XXXX 

15u.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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My XXXX  XXXX has been closed and reported to check system because of a fraudulent check that was deposited that was not made by me and now I cant open any more checking accounts any balance I owe XXXX XXXX XXXX I should not be held responsible for I have not deposited that check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: OH

Complaint narrative:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX XXXX limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX usd. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had inquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward

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 2022-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
As explained in numerous prior CFPB complaints against Avant, funds from approved loan in amount of {$6800.00} never received, appear to be deposited into incorrect account, which Avant tries to refer as fraudulent. It appears Avant is doing so in order to possibly recover funds via fraud claim for insurance purposes, however, I can not confirm this. Partial payments were made on loan, then ceased due to non-receipt and extortionate interest rate which if paid, would double loan amount in total, do not have terms available to provide exact amount ( s ) ... ..Avant replied to this issue by referring to prior communication made with them, which has nothing to do with non-receipt of funds. The account is now supposedly charged off to XXXX XXXX, in which case, they have not contacted me about account, have not sent me any notice. Previously, I offered to settle account with partial payments made, it appears Avant refuses to accept offer, in which case, no additional payments will be made. I've attempted to contact XXXX XXXX to prove information including non-receipt of funds, there appears to be no number or address for them, possibly internal collections for Avant ... As stated in prior complaints, I have been unable to confirm if account is still reported to credit bureaus, do not have credit file available. If reported, i request Avant remove account, if not, it will fall off after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize, please delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NJ

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 Section 602, states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for 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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. 
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 monetary relief
Consumer complaint received 2022-12-22 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: WA

Complaint narrative:
I submitted an FTC report and XXXX letter to Equifax on XX/XX/XXXX requesting to remove the following inquiry : - Bank Name : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX It was received on XX/XX/XXXX. They told me to file another report with the name of the bank that removed the inquiry. This information is already in my FTC report submitted online. It is also included in my XXXX letter, attached. The inquiries listed in the FTC report are not included in the printout at the end under any circumstance because there is not a field for it. They refused to remove them for this reason, which doesn't make any sense.

Company response to consumer: Closed with explanation