vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: NJ

Complaint narrative:
There are some accounts on my report that are invalid and are improper use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank closed my account after I deposited several checks in early 2021 with no explanation as to why. I have called customer service, been into branches and have been given the run around.. It has now been over a year and Chase Bank still has not sent a check for the balance that was in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Identity theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: AL

Complaint narrative:
Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on 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 explanation
Consumer complaint received 2022-04-21 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: AL

Complaint narrative:
Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover sent me a message saying the following : Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.

Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in Overdraft Protection or Auto Redemption to Savings you may need to re-enroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

As a reminder, you're never responsible for unauthorized debit card online, or mobile banking transactions. For more details on fraud prevention and what we do to keep your account safe, visit our Security Center. 

Sincerely, XXXX XXXX XXXX XXXX, Discover Bank Customer Service In response I called them after I got off from work, and after waiting 30 minutes on hold, was told that they no longer wanted me as a customer and it would be at least 90 days before I could get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: Bread Financial Holdings, Inc.
State: OH

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.

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. 
I want the CFPB to publish this description on consumerfinance.gov so that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had two Citibank private student loans opened on XX/XX/XXXX, and XX/XX/XXXX. I was paying the loans until I was laid off from my job and without income around XXXX when I ended up filing for Bankruptcy. I explained I was not working but they would not reduce or stop the payments. The loans were closed on XX/XX/XXXX. The original loan amounts were {$3500.00} and {$6500.00}. My remaining balance owed was {$2000.00} and {$3800.00}. The amounts being reported on my credit report every month are $ {$6500.00} and {$12000.00}. I wanted to see how I could fix this but the information on my credit report for the address and phone number for the lender is XXXX XXXX. When I called XXXX XXXX they said that they no longer have my loans because Citibank took them back on XX/XX/XXXX. They gave me three numbers for Citibank. I call these numbers and each time I was told they don't handle student loans and they would transfer me to another department. I was then transferred back to XXXX XXXX to another agent who said they don't have my loans and she gave me the same numbers back to Citibank. How can XXXX keep putting these amounts which are way more than I even owe on my credit report each month if they don't even have the Citibank loans? I have no way to resolve this as Citibank also says they don't service the loans anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
I have an existing lease on a XXXX Honda XXXX XXXX with American Honda Financial. The maturity date of the 37 month lease ( XX/XX/XXXX - XX/XX/XXXX ) is XX/XX/XXXX ( I applied for a lease deferral last XX/XX/XXXX which extended the lease from 36 months to 37 ). The monthly payment is {$660.00}, making the total cost of the lease {$23000.00}, and as of today i have made payments totaling {$12000.00} applied to lease payments, property taxes, and a parking ticket that was billed to the auto company ( {$12000.00} applied to the {$23000.00} cost of the lease and the remaining {$450.00} applied to property taxes ( {$330.00} XXXX XXXX, KY tax paid XX/XX/XXXX, two separate XXXX XXXX XXXX  Fees in the amount of {$11.00} and {$15.00}, and a toll billed to American Honda Finance in the amount of {$68.00} dated XX/XX/XXXX ) ). I usually keep this account paid up, and after paying {$4000.00} in two separate {$2000.00} transactions in XX/XX/XXXX ( one on XX/XX/XXXX and one on XX/XX/XXXX ), my statements showed that I only had 19 payments remaining and at that time, had showed that my next due date would be XX/XX/XXXX. However, I have since paid {$1600.00} ( {$750.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX, and {$700.00} on XXXX XXXX, XXXX ), but the account is still showing I have XXXX payments remaining. I have contacted American Honda Financial three times over the last two days and have been told each time that I am incorrect, and that I still have a payment due XX/XX/XXXX in the amount of {$140.00}, then regular payments of {$660.00} thereafter until the maturity of the lease. However, based on the statements and numbers, I should only have XXXX payments remaining. The remaining balance of this lease, after payments applied to the leased amount, is {$11000.00}, and when divided by the monthly payment of {$660.00}, the remaining payments should be 11 % ( {$72.00} ) of the {$660.00} payment for XX/XX/XXXX, then XXXX payments of {$660.00} XXXX XXXX ( XXXX ), then XXXX XXXX ( XXXX ). American Honda Finance is mailing me copies of the transaction history but I do have banking statements and payment receipts backing up the numbers described above. It seems as though the payments made since XX/XX/XXXX ( {$750.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX ( {$68.00} applied to the toll, and {$81.00} applied to the lease ), and {$700.00} on XXXX XXXX XXXX ; totaling {$1500.00} applied to the lease ) have not been actually applied to the lease, but again, I do have paperwork to show that these transactions did take place, both from my banking institution, as well as statements and receipts from the company the lease is financed through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: GA

Complaint narrative:
On XX/XX/2021, I sent letters via certified mail out to Experian, XXXX, & XXXX regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST HAWAIIAN, INC.
State: MP

Complaint narrative:
I reported the Fraud transactions to First Hawaiian Bank but they are refuse to help me because it passed the timeframe. 
They have told me that they tried to contact me many times with suspicious activities but I did not receive any calls or letters from them. And they authorized transactions without talking to me or my approval. 
Those fraud transactions happened in XXXX and XX/XX/XXXX, when our accountant is on leave because of positive XXXX last XX/XX/XXXX. And we noticed the fraudulent transactions last XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts. 

XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. US DEPT ED Account # : XXXX XXXX. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted capital one to close a secured card I carried with them. They kept having issues when Id try to make payments in the app and I was told they charge a fee over the phone to take payments and ultimately this account made my credit score drop so often due to late payments the rewards they promised and the customer service were not what was promised. Since I had no benefit I chose to close the account in XX/XX/2022. I paid a deposit when I started this card and I was not notified it was returned back to the card balance after the account closed notice was sent to me. I chose to close the account but the credit card has reported to credit bureaus that it was closed for being 60 days late. I did not receive any paper bills which is what I had opted for even when the account was active. In the app it had shown closed but now it appears as open and theyve been adding on late fees. The notice of account being closed back in XXXX did not state that there would be interest and late fees charged after account closed but now they show two billing statements in the app which never were received by mail and both bills show interest charged. The bill that posted as late 2 days after the account closure notice showed a {$16.00} charge and didnt show the credit of my deposit. The first bill in XXXX shows only a {$25.00} late fee but the bill for XXXX shows a {$40.00} late fee and interest when no new purchases were made. The bill due XX/XX/XXXX shows no credit available I assume because I had closed the account but on the bill theres no mention or acknowledgment of the account being closed. Same for XXXX. I can not get an agent on the phone and hve had no luck with in app chat support. This issue affected my credit score and I was alerted today of a significant point drop due to the reporting they did. I never saw it show as closed on my reports but I gave it time because I was told it can take 60-90days to update but recently was made aware thats not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
I have recently submitted Experian certified letters containing police reports, identity theft affidavit, and a signed document from the Federal Commission Trade # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.

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 2022-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2022-04-21 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My payments SHOULD BE allocated towards interest bearing purchases first. I have a 12 month promotional balance transfer promotion that was offered at account opening. A balance transfer of {$1200.00} was completed on XX/XX/22. The business miscalculated the interest on my account dated XX/XX/22 for {$12.00}, the most I should have been charged should have been {$1.00} minimum finance charge that the business assesses regardless of the balance or amount paid on the account. Additionally, on XX/XX/22 a payment for {$100.00} was made on the account, on XX/XX/22 a payment of {$900.00} was made on the account. The ENTIRE closing balance on the XX/XX/22 statement was {$1200.00} which consisted primarily of the promotional balance transfer mentioned above.

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