vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX  XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Khols Department XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrtment XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates the report by more than XXXXeven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-12-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: NC

Complaint narrative:
XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Veros Credit, LLC
State: CA

Complaint narrative:
The company have improperly made errors on my credit report causing me to have a horrible record with my up coming purchases It has been causing me so much I reached out to the company to see any advise and they ignore my request 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The reporting company has continuously misreported and harassed me since the loans inception. The original balance was $ XXXX, my monthly payments which were made for 17 months straight came out to {$440.00} because I paid extra {$36.00} to make it even and also bring balance down faster. That comes to a total of {$6100.00} paid to XXXX XXXX XXXX. I was struck by a driver in XXXX of 2022 and had been awaiting the other parties insurance to take care of the situation and even contacted the lender to make them aware. They repossessed the vehicle and sold it for $ XXXX, yet the loan balance is showing on my credit report as $ XXXX. And recently went as far as to add an additional {$300.00} out of nowhere when the loan is already closed. The amounts paid were never accurately reflected on my credit report and even the balance after the vehicle was sold at auction has not been reflected correctly. This is an egregious violation of consumer rights which falls in line with every complaint Ive filed against them since the loan was opened. The actions being taken against my credit report seems to me like retaliation for the constant reports of them violating my consumer rights. They are blatantly misreporting the information on 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 explanation
Consumer complaint received 2022-12-05 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On or about XX/XX/2022 XXXX XXXX XXXX has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

I have not given any consent, and no consent is a violation of my rights as a consumer. 

I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/22 my account had a negative balance. I transferred some money in and went to the closest branch when I got out of work to deposit cash to bring the account positive and cover upcoming transactions. To my dismay, the ATM was not accepting cash. I reported it and messaged with a representative when I got home whose only response was " go to another branch '' which was not possible. Then I was charged {$110.00} in fees and several transactions are being returned, which will cause more fees. I have a photo of the ATM telling me it was not accepting cash, and screenshots of my conversations with the representative and can provide those.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: WI

Complaint narrative:
The issue I have is when I contact the office with a complaint, my payment doubles. It went from {$300.00} to {$600.00} to {$1200.00}. This caused me financial hardship. I had to pay overdrafts and it wiped out my savings. I had to pay other bills late which caused late payment penalties. I had my checks returned from my bank for other debts and this resulted in a disruption in my payment history with other debtors. I have tried to call Mohela who has my loans on many occasions. I am on hold for a long time and then I am disconnected once they answer. I tried to call them most recently on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
credit acceptance has charged me and excess amount of INTEREST RATE. 

USURY LAW STRUGGLING TO PAY THE HIGH CARNOTE AFRAID OF REPOSSESSION.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I deposit my check on XX/XX/XXXX and I received a confirmation email stating my funds will be credited to my account on XX/XX/XXXX. XX/XX/XXXX my fund was not available. In addition, I was charged XXXX per for over a year for an account that was supposed to be free. I called bank of AmericaXXXX in reference to these issues and the manger/supervisor refused to speak with me. I had to yell and scream for an hour because the manage agreed to take the call from the representative. The supervisor XXXX said I have to wait until XX/XX/XXXX for my check to post regardless of the confirmation email. She only refunded 11 months of the XXXX fee and refused to refund the rest.

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 2022-12-05 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: TX

Complaint narrative:
FCRA Violation : hard enquires not mine 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 explanation
Consumer complaint received 2022-12-05 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: United PanAm Financial Corp.
State: VA

Complaint narrative:
My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After I reached out to Capital One asking for verification of debt with my two accounts I had with them. After being unable to provide the requested documents they closed both of my accounts without my permission This is a violation of my consumer rights per USC 15 1602 p.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal allows a money request that includes details right in their recent activity section of a personal or business account on their website that includes a phone number ( for reporting fraudulent activity ) that is direct number to a sophisticated scam.

The scam involves refunding the amount requested but mistakenly adding a XXXX to the amount, which shows up in the account of the person receiving the refund. 

The scammer proceeds to guilt that person into trying to return the over-refunded amount before the operator gets in trouble. Then the operator tries to convince the person receiving the refund to return the over-refunded amount through nefarious means by XXXX  machine or gift cards. I'm told this is an old scam. 

I am complaining that PayPal knows of this scam and yet has not done anything to prevent it. PayPal is supposed to be a trusted banking system. I spent hours over the period of several days trying to address this issue with PayPal. They strung me along and made promises, but didn't even call me as promised, to discuss it.

There is an article on the web that describes this scam, and many comments in various places about it. A banker I spoke with at XXXX XXXX was familiar with this scam. 

There should NOT be a direct phone number to a scammer posted within PayPal 's official website. It would be a simple thing for them to stop a direct phone number to a scammer being posted in their site. They have been aware of this problem for some time and have not attempted to correct it. I believe that makes PayPal a participant in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
In XXXX and XXXX, my XXXX XXXX XXXX account was compromised by fraud. It took me over a month to get everything settled and the account properly closed with them. In the middle of that, I had used a XXXX gas reward card that debits from this account. The funds were declined because all transactions had been placed on a security hold. When this card issued by XXXX is refused, it immediately goes to a XXXX company called Checkredi of Kentucky for collections. I was finally able to settle this account on XX/XX/XXXX and gave them my new bank info. They released the hold on my card and I was allowed to use it again. I used it on XX/XX/XXXX and purchased gas. I received an email on XX/XX/XXXX that the funds did not go through. I contacted Checkredi and discovered that they still had the account tied to the closed XXXX XXXX account and had NOT updated it. I have paid them the {$58.00} that was owed for the gas. I also contacted XXXX for help and they made sure that the account was updated and corrected. But Checkredi REFUSES to waive the {$30.00} fee that they charged in this matter. I do not feel I should have to pay this in this instance. I thought when they deducted money from the correct account on XX/XX/XXXX that it was updated. Then I find out later that it was not. And when I contact them, whichever person I am speaking to asks as if I am personally blaming them. Or they want to point fingers at XXXX or stand on their laurels that they are within their rights to charge NSF fees in their state. They do not even listen to the extenuating circumstances on this matter. 

Please intercede on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/22 a fraudulent withdrawal in the amount of {$200.00} was taken from my acccount ane the bank will not acknowledge it was fraud and has not credited back to my account the funds which were stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reporting agency list an acct # XXXX on my credit report. this account is past the XXXX  years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XX/XX/2015 This account should be deleted from 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 explanation