vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: LEXISNEXIS
State: NY

Complaint narrative:
Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy XXXX XXXX XXXX New York stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since Lexis Nexis did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Am Having a Problem with Bank of America i keep getting charged for maintenance fees {$4.00} in my checking account i was changed for a maintenance fee in XX/XX/2022 and also XX/XX/2022 I contacted Bank of America Customer Service and they Denied to Refund the Maintenance Fees in the Account and i am very disappointed and frustrated about this i ask the representative is she could do anything about the fees and i was told unfortunately she cant do anything about this problem.

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Ive received a letter from XXXX notifying me about my {$180.00} due balance, set up an arrangement online and start paying to the actual site and they have still hit my credit report saying I owe a balance of {$180.00}. I am asking for this collection to be paid and removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I ordered an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX with financing from Citizens Bank. Order was placed on XXXX the XXXX, item set to arrive on the XXXX, then I got a notification of a delay and availability for the XXXX. The order said I had until the XXXX  for pickup. When I went to go pick it up after waiting over an HR it was made known that my product wasn't there. I emailed the manager 3 times with no response. Called customer service multiple times, corporate, XXXX XXXX forums, XXXX XXXX XXXX as well as going to XXXX physical stores multiple times to speak to a manager. XXXX XXXX XXXX was never available. Manager at XXXX XXXX hasn't been at the store for XXXX months as I have visited multiple times hearing different excuses. Then visited another store in XXXX with a XXXX which was also no help. After exhausting my resources I called Citizens Bank. I explained what happened and what my options were which I was told they aren't responsible for supplying consoles and that I could just close the account since my efforts were leading nowhere. Days later I applied for a credit card and my credit line originally offered was reduced. It was because I received a deragatory remark from Citizens Bank with remark stating " paid by dealer ''. I called Citizens Bank and they said they'd repair it and after another 8 contact attempts with them not relieving the problem I asked to speak to, '' XXXX '' the manager. XXXX offered no assistance and gave me attitude unnecessarily. I contacted XXXX and XXXX and challenged the damaged credit from Citizens Bank. I have attempted 5 disputes with XXXX getting denied each time. I have sent a demand letter to XXXX Bank with no response as well. Citizens Bank mandates what everyone knows as corrupt when it comes to arbitration. It took me years to build my credit and I have now taken a hit unnecessarily at no fault of my own and a creditor for a new card lowered my credit availability by thousands of dollars as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I Have Already addressed Victoria Secret about the late fees that have been applied to the card. 
I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Problem with a fee reflecting on a day after purchase as a singular fee when I have a record of the specific transaction reflecting all transactions for that day including the purchase I got an extra fee for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX deleted 3 fraudulent accounts and hard inquiries off of my credit report and file that I filed identity theft for starting XX/XX/XXXX. I never gave EQUIFAX written consent to furnish any of these accounts and inquiries on my credit report and file, violating 15 USC 1681b ( a ) ( 2 ). 

This violation was stated in an Affidavit of Truth sent on XX/XX/XXXX for furnishing a XXXX XXXX account without my written consent. ( proof of them receiving it attached ) EQUIFAX compiled by deleting all of the accounts and inquiries I demanded to be r

emoved, but did not compensate me for the violations they committed against me. This is unlawful and against the FCRA.

Pursuant to 15 USC 1681n of the FCRA, I am to be compensated for any violations committed against me. 

Attached is an invoice I sent with the Affidavit of Truth sent on XX/XX/XXXX. 
Equifax has this invoice in their hands and did not comply fully with federal law protocol for their unlawful acts. 

As mentioned, attached is the invoice I sent on XX/XX/XXXX. I also attached an invoice for all of the additional violations EQUIFAX committed against me from all other accounts and hard inquiries they furnished without my expressed written consent- totaling twelve ( 12 ) additional violations. I demand EQUIFAX compensate me for the violations they committed against me. 

Proof of all deletions is attached. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today XX/XX/21 I set out to freeze my credit with the 3 major credit reporting agencies. As I understand it, to protect my identity without having to pay for it, I need to freeze my credit with these 3 companies. This process was difficult and time consuming. In addition, it didn't work with one of the agencies. Below are my comments/complaints about each : Experian was by far the worst. I created my free credit report account. This went easy. However, when I tried to freeze my credit they wanted to sell me expensive identity theft products and wouldn't give me the ability to perform this task. Instead, they sent me to another website and ask for all the same information. I gave them all my data and then they came back with a message that they couldn't freeze it and that I had to mail personal information to them. Why can I open an account that shows my credit report, allows them to market products to me but yet they will not freeze my account like the other two agencies do? 

XXXX doesn't make it easy to find the free credit report and freeze service. I went down the wrong path and ended up subscribing to a $ XXXX service. Their customer service center was good about canceling it and telling me the secret URL for the free service. Once I had that all went well. 

XXXX - This was by far a much easier organization to work with. The home page directed me to the free service and I was able to get my free report and add the freeze all in one location without any hassle.

It is my opinion that there should be one website that handles this for consumers. These agencies should be required to work together and make and manage this site. This is a cost of using my data to sell products.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I received an offer letter to resolve a past due balance on a totaled vehicle with Santander Consimer USA. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. Santander has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all 3 major credit agencies, and Santander has refused to update and correct the incorrect information currently shown each time. They went so far as to update my XXXX report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My credit card balance for XXXX wras {$480.00}. Due to a typo I only paid on {$460.00}, A finance charge on the {$20.00} short pay was charged for {$2.00}. After calling the company that charge was forgiven. On the next statement for XXXX I paid the balance due of {$370.00} on XX/XX/XXXX. Yet on XXXX first they charged another finance charge of {$2.00}. They called it a residual charge going going back to the XXXX statement. I don't think this justified and out rages. Except for the one error we have never not paid our monthly balance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
I recently checked my Credit Report and I have noticed a lot of inaccuracies on the accounts being reported to be derogatories and having been sending prior complaints that were not being replied to by the Furnisher or being questioned by TransUnion. Thus, I am requesting your assistance to help me block or delete the items being unknown and erroneous. Also, there should be signed documents or any kind of proof to certify that both parties mentioned have conducted a proper investigation. Below are the items I believed to be erroneous and unknown. 
DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX XXXX XXXX : {$3200.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$3100.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$350.00} Date Opened : XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$670.00} Date Opened : XX/XX/XXXXXX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  Date of InquiryXXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2022-02-04 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: TX

Complaint narrative:
XXXX is reporting an address in which I have never used? 
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion is Reporting a inaccurate name : XXXX XXXX XXXX XXXX is Reporting a inaccurate name : 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 2022-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX Equifax is Reporting a inaccurate name : XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MS

Complaint narrative:
Equifax is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

Equifax is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for XXXX and XXXX to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with XXXX and XXXX nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: IL

Complaint narrative:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with Citi bank, the place a hold on my account stating XXXX   has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and 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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

Company response to consumer: Closed with explanation