vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
n 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 2022-04-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX / # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my account was closed due to 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 explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
I called my realtor to run credit for a mortgage loan. And she gave me 2 Inquiries... 
1st collection. Inquiry XXXX XXXX XXXX XXXX a charge off. 
Reported XX/XX/XXXX for an amount of XXXX # XXXX Phone number XXXX 2nd collection Inquiry XXXXXXXX XXXX XXXX ( XXXX XXXX ) # XXXX Phone number XXXX I have not had a auto loan since a year ago and that was paid off as a XXXX balance with challenge financial I have not been with XXXX XXXX  since XX/XX/XXXX and that was a XXXX balance as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from Williams Rush & Associates. They stated I have a debt that I owe from XXXX. I asked for proof of this debt to be sent to me. He stated if I did not take care of this date now, it would be reported to the credit bureaus. It has now appeared on said reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
CitiBank is trying and continues to collect on a debt ( s ) that CitiBank is unable to validate up to date. 

I sent CitiBank a sworn affidavit dated XX/XX/XXXX via certified mail to perform Debt Validation on 2 accounts. Per 15 USC 1692 et seq., to provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against me. plus additional stipulations. ( copies attached for reference ) CitiBank mailed a generic letter dated XX/XX/XXXX addressing only 1 account. The generic letter states " they believe '' the debt is valid and provided basic references only, a copy of the alleged originated debt, and standard account statements. ( CitiBank failed to rebut the affidavit point for point as stated in the letter ) I sent CitiBank an affidavit of Opportunity to Cure via certified mail dated XX/XX/XXXX due to CitiBank failing to honor the stipulations of the Debt Validation Affidavit. I gave CitiBank an additional 10 days to rebut my affidavit and response via sworn affidavit, verified and/or affirmed by a signature under the penalty of perjury. ( copies attached for reference ) 10 days have passed and CitiBank failed to respond. " Silence is Acquiescence, Agreement, and Dishonor ; XXXX  conditions apply upon default ''. I sent Citibank an affidavit of Default in Dishonor Notice dated XX/XX/XXXX and delivered via certified mail dated XX/XX/XXXX. By dishonoring all offers by me, the alleged liability is hereby discharged resulting from the dishonor from CitiBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
already tried working with experian i am a victim of ideneity theft and this fradulent hard inquiry must be removed acccording to the fcra 605b block and remove this hard inquiry resulting from idenety theft XXXX XXXX XXXX XXXX XXXX XX/XX/2022 attached if ftc report!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
Fifth Third Bank sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those XXXX months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, Fifth Third Banks payment cutoff time is XXXX XXXX Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and Fifth Third Bank does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that Fifth Third Bank offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Creditors Bureau Associates requesting debt validation of the alleged debt XXXX that I owe. The company never signed for the letter according to the tracking update ; however, I received a print out of the billing statement of the alleged debt. The company immediately placed this account on my credit report during my phase of disputing this account. Credit Bureau Associates has diminished my confidence in the banking system and have committed fraud by placing inaccurate unverifiable information on my credit report. I requested for the company to send me validation that I have a contract which would make me liable for the alleged debt. After further investigation of this company, Creditors Bureau Associates is not license to conduct business as a debt collector in Georgia. 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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: CA

Complaint narrative:
A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my unemployment account hacked from XXXX 2021. The hacker had logged into my account but switched the account numbers, so I never received a XXXX of the {$8000.00}. I have been going back and forth with Bank of America edd and unemployment for the last four months now and my fraud claim just keeps getting denied. I had to file a tax extension because I refuse to pay taxes on the money that I did not receive. I have filed police reports, sent copies of my bank statements, I even got a copy of XXXX credit report showing all of my current open accounts but I still keep getting denied. I need help. I do not know what to do anymore. XXXX XXXX XXXX has been very helpful helping me email XXXX but he is even stumped because he doesnt understand why they keep denying me. I am a broke XXXX XXXX XXXXXXXX XXXX XXXX  who could have really used that money and let alone can not afford to pay taxes on that amount. Please help. I have done everything that XXXX has asked me to do. I keep getting document after document proving that I am not associated with that account number that is still currently on my unemployment profile. However, my fraud claim just keeps getting denied. I have been in contact with XXXX newsrooms office, the attorney general, and senator XXXX. I need help proving my innocence. I have even been back in contact with the officer that I had originally filed my police report with to see if he would be willing to file a search warrant through edd to figure out who had hacked me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has made it impossible to reach a live person to discuss my credit report. The options are either call about a fraud alert or freeze, or to order a score. There is no option, and no combination of options that lead to a live person to discuss my score or report. I have to get a dispute comment removed to be able to move forward with my mortgage approval, however I can not get ahold of anyone. I have called Experians customer service number at XXXX and no luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX, CEO Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I am writing regarding XXXX XXXX XXXX, CEO of Commenity Bank who is allowing Identity Fraud on my card and even has the audacity to charge me for these fraudulent charges. This complaint can be validated by the Partner BJs XXXX XXXX who markets this card. In fact, you can see below XXXX XXXX XXXX, Vice President of BJs is also allowing this to happen as my account was compromised back on XX/XX/2021 I reported it to Commenity Bank to stop the card because I received a call on my cell phone stating they are BJs XXXX Mastercard. I even gave them the phone number that came up on the caller ID and wrote and called both Commenity and BJs to stop my card before something happens. 

What tipped me off the Identity Theft was the person on the phone had my full Commenity Card Number and was trying to validate my Social Security. Second, I did not have on file my Cell number as all my cards I use my land line for protection. 

I wrote to Commenity to close the account as no charge happened that day. Well, Commenity Fraud did nothing and fraudulent charges made to XXXX online started to appear on my statement late XXXX and XXXX. After several calls to stop the card to no avail. 

Now XXXX XXXX XXXX, CEO is running a scam sending me a letter saying they are going to ruin my credit by reporting my disputes as valid charges in hope of extortion of these charges and ruining my status as good credit with the XXXX agencies. I have the letter sent on behalf with the knowledge of the CEO. 

So, we have both BJs and Commenity running Consumer Fraud and Protection Scams and want to put this on record as the AG should prosecute both firms. I will send the formal papers to the AG this week with the documents to support it. 

As I been still fighting this illegal activity for months as both are just doing nothing. XXXX XXXX XXXX, XXXX XXXX is totally aware of this and going along for the ride, so her name will be put in as she is condoning this illegal activity. 

In fact, this morning I called the representatives and told him received a call from their XXXX Call Center telling me this charge was to be made zero, they will close the account and open me up a new card and account for protection. But I suspect this is a scam to lure me into screwing up my credit with the credit reporting agencies. 

Looking to hear from you, as I will show you all emails and even messages sent to both entities. Both did zero. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I was offered a settlement offer since my loan was past the expiration date. A {$3000.00} dollar ( USD ) settlement offer was sent. I made a {$1500.00} payment on XX/XX/2022, and I made a second ( 2nd ) payment of {$1500.00} on XX/XX/2022. I am continually getting calls from Chrysler Capital ( 4-5 calls a day ). Some representatives have spoken that I would have a charged off balance and I could possibly see negative credit reporting due to not fulfilling the settlement agreement. I have requested from multiple representatives a zero balance letter since they have agreed that the balance has been paid in full on the settlement offer. I feel their behavior violates the UDAAP as well as the Fair Debt Collections Act.

Company response to consumer: Closed with explanation