vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected XXXXonsumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX, Date : XX/XX/XXXX Account : XXXX  XXXX, Date : XX/XX/XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes 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 reporting 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
An individual on Venmo who goes by the name XXXX XXXX on Venmo has scammed me of {$260.00} and {$290.00}. Through XXXX direct messages, he promised to send two pairs of shoes but failed to do so after frequent reminders. He also sent two tracking numbers that were fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I had tried to get XXXX and XXXX to remove the account from Portfolio Recovery from my credit file. The reports says that the account is from XXXX bank. It was FRAUD and has been reported as such

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
After doing business with Tower Loan this company has included interest and additional fees not in disclosure form and unaffordable rates to the consumer, in which I have not made a payment. Tower loan has attempted to collect {$1200.00} & has directly violated 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Tower loan company policy does not supersede federal law this company is non compliant to abiding by lawful statue. This company is also violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practice Act ( FDCPA ), and the Gramm-Leach Bliley Act ( GLBA ). The consumers right to protection of non public personal information 15 USC 6802. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: AL

Complaint narrative:
My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on XXXX is XXXX. An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop 100 points now it drop again

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 2022-12-17 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: AL

Complaint narrative:
My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on Equifax is XXXX An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop 100 points now it drop again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Re : CFPB Complaint # XXXX I previously lodged the above complaint with CFPB relating to Comenity Bank 's failure to fully close my BJ 's credit card. This morning, I tried to add the latest chapter in this painful saga to my online CFPB complaint history. I was absolutely astounded to find that CFPB marked my complaint as " CLOSED, '' which should mean that the issue was resolved to my satisfaction. I find it impossible to believe that anyone at CFPB actually read my responses to its questionnaire. If they had, it would have been very clear that there were still lingering issues : 1. Comenity sent me yet another email ( received on XX/XX/2022 ) announcing that my account statement was available for viewing. If the account had been fully closed, there would be no need to email that announcement to me 2. I'm still able to call Comenity Bank ( XXXX ) and hear a recording stating that my full credit limit is available. 

3. I also received a ridiculous letter from Comenity Bank dated XX/XX/2022. It mentioned that they issued a temporary credit to my account, despite other correspondence confirming that the corresponding prior dispute had been resolved more than a year ago. 

WHAT WILL IT TAKE TO GET COMENITY TO COMPLETELY SHUT DOWN THIS ACCOUNT??? 

CFPB must either reopen my original complaint or establish a new one with a new number and follow through on its consumer protection role.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
When logging into Equifax 's web site there is no way to dispute, 1. Accounts that are to old to be reported. 2. they are improperly reporting account history. 3. There is no access to dispute forms to disputer any of the above. 4 There is no way to print your credit report from online. When I called to ask how to get a disputer form I was told they are no longer provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Due to the many violations and illegal practices I wont let happen to me, I have entered more complaints than one may like. You guys keep allowing companies to duplicate complaints as if they fixed the problem the first time. A person will not keep complaining if the problem got fixed. In this case the problem has never gotten fixed. Therefore, Navy federal continues to commit more fraudulent activities on my closed account, How is that possible? How is it possible for navy federal to transfer money to a charged off account? Navy Federal has done many things concerning my account without my knowledge or consent. I was not told my account was not accessible. I was not aware of the illegal credit transfers that have continued to happen. Even after sending a letter to rescind, also a letter explaining my unaware decision I made concerning this contract which under law trumps the entire agreement. It is illegal for Navy federal to have their members thinking there are no funds in there account, their account has been terminated. Behind the scenes Navy Federal has been transferring frozen for over a year now. How is that I work for my money and Navy federal agents can lock me out of my account and steal my money? I have gotten behind on bills, I have had to sell many items just so that I can survive. While Navy federal uses my money in my account to satisfy their cooperate needs! It is illegal for a closed charged off account to still have activity. Better yet, they enclosed the money is going to credit, where and how is the balance getting decreased? This is the main reason why this account has been flagged as fraudulent. Navy federal has yet to acknowledge that they misinformed me about where the loan actually came from. The loan was taken out of my name as if they were going to pay me back. I have not received a check from Navy federal from taking a loan out in my name. Furthermore, Navy federal led me to believe I no longer had an account with them all while still using my money and liying to the credit bureaus. They report to the bureaus that the account is still active and still being payed on. It seems like to me this proof that navy federal owns this debt. That is illegal i dont care. You cant take someones money not tell them and use it to your full advantage and i as the consumer does not receive any benefits from this situation. If anything this is tarnished my reputation! Its your job CFPB to stop these companies from running all over the consumer who in which has the rights. The bureaus are being gave false reports each month and no one is doing anything about it! I give the CFPB to collect evidence to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: VA

Complaint narrative:
When I went to apply for at the XXXX XXXX XXXX XXXX and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. XXXX ). XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XXXX XX/XX/2022, I opened a CFPB complaint ( XXXX ) where I clearly told difficulties faced by me in terms of closing Bank of America account due to noncooperation of Customer service of Bank of America XXXX 
Bank of America didnt provided any response to that. Now on XXXX XX/XX/2022 I am seeing a {$12.00} fees from Bank of America for that account. 
Called XXXX again, after bypassing all the robot based menus, I was told we are facing larger than normal expected volume All customer service associates are busy.called on XXXX XX/XX/2022 at around XXXXXXXX XXXX Central time from my XXXX phone #.

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 2022-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent the letter asking XXXX, TransUnion, and XXXX to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation.

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

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 2022-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent the letter asking XXXX, XXXX, and Equifax to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and Equifax # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I spoke with XXXX different people, including a manager and advised when I could make my payment. They continued to call more than XXXX or XXXX times a day, even after I reminded them of the legal limit of reaching out about a collections. They do not state it is an attempt to collect a debit when I do answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00}

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 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I didn't authorize please delete them

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial. 

For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit. 

Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied. 

The result has been paying higher interest on loans and or loan denials.

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