vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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 sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I checked all three of main credit reporting agencies on XXXX XXXX, 2023 to re-freeze my credit reporting accounts. When I looked at XXXX, I saw a revolving credit card account with FEB DESTINY or Concora credit with a maxed out credit limit of {$710.00} opened a month ago with a {$50.00} payment due soon. I felt so upset because I deliberately freeze my accounts after going through a nightmare of fraud last year that took months to resolve. 
I can not reach the bank until after XXXX. XXXX but I am planning to reach out to them to demand the deletion of the account and report it as identity theft to all three credit reporting agencies. If I continue to get the runaround or refusal to help, I will reach out to you again re : FEB DESTINY. The only information I can gather is the balance amount due and that the account ends in XXXX. You have helped before in the horrible situation I was in last year and I am reaching out again. I immediately froze all my credit reporting agency accounts. I will be reporting this as fraud to local online police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Try to stop the unauthorized XXXX  payments made by my XXXX XXXX XXXX, Bill Pay arrangement - was made by PNC Bank - to deliver my monthly fee payment of {$370.00} and semi- annual {$500.00} " Special Assessment '' payment on XXXX, XXXX, and XX/XX/XXXX ; respectively. For 2024, the payments would be {$400.00} monthly and {$1200.00} annually. 

My XXXX XXXX kept claiming " STOP PAYMENT '' and " REMINDER NOTICE & LATE NOTICE '', sending statements of penalties for a total of {$210.00} of which {$85.00} for non-authorized service, and {$120.00} for late payment by PNC Bank. 

By initiating the Bill-Pay arrangement, first of each month for the monthly payments, and first of XXXX and XXXX was instructed as scheduled dates of remittance. Due to the observed breach of those date I was forced to make an alternative date ~7-10 days earlier to ensure delivery on time and to avoid delay. Still that hasn't worked for PNC Bank. Hence, I find the PNC Bank is responsible to pay for these penalties ( {$120.00} ) -which they refused commenting that say its quote " Resolved, '' meaning that the consumer has to pay it. I find that to be unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
Been making regular payment to US Bank. Usually more than minimum required, but the minimum required payment keeps going up. When I called them, all they wanted to talk about was the interest charges. I told them I understood interest, I wanted to know why monthly required about kept increasing. When I asked about some relief on this account because of limited income, they referred me to a credit counselor. They did not want to discuss my 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 non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
In XX/XX/2023 I received a telephone call from Southwest Creditors regarding a debt owed to XXXX in the amount of {$150.00}. Immediately following this phone call because I had never received written notification of this debt and therefore did not feel comfortable making any payment via phone, I went on to Southwest Creditors website, located my account and selected the option to pay off debt in three monthly installments to be automatically debited from my checking account. The first payment was made on date of arrangement being XXXX, with subsequent payments to be withdrawn on XXXX, and XXXX. As of the date of this complaint ( XXXX ) there is one payment owed which is the final payment of {$50.00} which is scheduled to come out of my account on XXXX. 

As of XXXX I received an alert from Credit Karma advising that there had been new activity on my XXXX XXXX Credit Report, in viewing my report I found that Southwest Credit had recently reported this as an open collections item to XXXX XXXX all while knowing that I had an active agreement which I never defaulted in and at time of reporting there was only one payment owed.

Additionally I would like to add that after entering this payment arrangement I continued to receive calls from Southwest Credit requesting payment of {$150.00}, which at that time was not the true amount owed. On each occurrence I would have to advise that I have an active payment arrangement which I had not defaulted in. At least one Representative of Southwest Creditors advised that regardless of the arrangement being made via there online portal they are unable to see it on their end. It was not until I threatened to file a complaint did the calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX Hilton Honor American Express XXXX XXXX cards, and XXXX of XXXX benefits is that there will be XXXX  Hilton Honor credits within the XXXX date, and you will have to check with the agent on how much credits you have left, it wont appear on the App nor the website. So I checked with the Amex XXXX on the web chat and request to check how much credits that I have left for the remaining of the year before I decide what hotels that I should choose so I can fully utilize my benefits, and according to the agents, both of my cards still have full XXXX credit remaining for the XXXX, I trust them so I choose to stay with the XXXX resorts in XXXX XXXX to enjoy my benefits for the remaining of the XXXX, however, after I completed my stay with XXXX XXXX in XXXX XXXX, Amex only credit me part of the part and stating that I have spent part of my credits, which I have no clue why the agent lied to me about my resort credits for misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Alliant Capital Management LLC
State: MO

Complaint narrative:
XXXX has now sold the XXXX  loan to Alliant Capital Management LLC. 
In XXXX of XXXX, XXXX stated that I took out a XXXX loan. They were taking out XXXX a XXXX. I started contacting XXXX in XX/XX/XXXX. The company never returned my calls or supplied the information I requested. In XX/XX/XXXX, I had to close my XXXX account to stop XXXX from taking out the payment. I got XXXX XXXX involved to help me get information. XXXX has been on phone calls with me to XXXX since the Summer of XXXX. I mailed paperwork to XXXX XXXX times. 
Now Alliant Capital Management LLC has the XXXX loan at XXXX. None of the payments that were taken out of my XXXX account are even accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously filed a complaint against Experian XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires listed on my credit report. Experian closed my complaint # XXXX attached stating the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously filed a complaint against Experian XX/XX/2023 disputing the accuracy of the tradelines and the information provided on each tradeline on my credit report. Experian closed my complaint # XXXX attached stating the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed 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 2023-12-24 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a XXXX XXXX  account under an open end XXXX XXXX plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I activated and then tried to use my Amex XXXX Card at : XXXX to pay for products XXXX to buy a XXXX  card XXXX restaurants to buy XXXX cards XXXX restaurants to oay for food ( XXXX ) XXXX bars to pay for drinks ( XXXX ) Link to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX retailers I called Amex twice to report the problem. I checked it was activated and then tried it again at XXXX, XXXX and many XXXX stores and at restaurants and bars. It still does not work anywhere I have tried ( more than XXXX sites, bars and restaurants. 

I can not even check the balance of the card on the Amex site after XXXX  attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX XXXX days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a XXXX prot umer. NO CONSENT IS XXXX XXXX As a consumer I am demanding the deletions listed 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of XXXX XXXX! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletions listed 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, Im writing you today because your organization is reporting XXXX incorrect addresses on the XXXX Report. Please look into removing these incorrect addresses because it makes me look unstable. I should only have XXXX address and that address is on my attached XXXX XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and the other incorrect address is below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-12-24 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: WI

Complaint narrative:
All XXXX  and XXXX debts are considered XXXX XXXX XXXX, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase closed my account due to misc reasons, and are holding XXXX in it and not releasing it. I have reached out for months with no avail. They wont release my money, since its stuck in their vault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed an unemployment benefits claim for the pandemic and I was told that I didn't qualify, I later found out that the claim was indeed approved and someone had been receiving benefits on my behalf dating back from 2020. I tried to get in touch with the edd to file a claim and was told that I was under investigation for fraud. I tried to explain my situation to the bank of America and I since been receiving letters that the claim was approved in my favor but I have not received anything but yet I have statements stating that the money was spent. Apparently someone with all of my information was contacting the bank and acting as if they were me and was changing the information on my account and email and online account info. I have been defrauded of my benefits of the pandemic unemployment benefits claim and for my recent unemployment benefits claim because the claim was put on the same account as the pandemic account and I have spoke to Bank of America and I have tried to get them to close the account and open a new account to solve the issue but I was told that I needed to get ahold of the EDD to get a new account. My account is still being spent and I am still without the money from the two unemployment benefits claims.

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