vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: PA

Complaint narrative:
According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the XXXX data breach there are accounts, name, addresses, and inquiries that I did authorize.

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 2022-12-07 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: FL

Complaint narrative:
I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account

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 2022-12-07 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: FL

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

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without 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 purpose.

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 2022-12-07 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 XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without 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 pXXXXurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When trying to pay my bill using the B.O.A. app ... They removed the " pay card balance '' option from thier menu. Therefore, they only provide 2 convenient options that accrue charges!!! 

Starting this month I had to call them to pay my full balance!!! 

Sneaky little 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 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
Took new mortgage with Loan Depot took almost 60 days to finalize secured loan first payment due on XX/XX/22 for {$2900.00} ( LOAN # XXXX ) to date all payments on timereceived latest monthly invoice which stated monthly payment is now {$3500.00} a nearly 20 % monthly payment increase of which I can not afford apparently the companys ESCROW DEPT miscalculated my ESCROW and is putting the onus on me for their mistake loan only a couple of months old and they arbitrarily raise it {$500.00} per month they need to use their errors and omission insurance TO COVER THIS LOAN DEPOT MISTAKE whether it be the ESCROW or TITLE DEPT of LOAN DEPOT. 

PLEASE CONTACT ME RIGHT AWAY SINCE MY new payment just became due. 

Thank you for your valuable time and effort in this time sensitive matter, A very upset XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
FTC REPORT WAS SENT VERIFIED TO EQUIFAX AND THE COMPANY HAS RESPONDED BY SAYING THE ITEMS REPORTED ARE VERIFIED AND UPDATED. THEY NEED TO LOOK AT FTC REPORT AND REMOVED INACCURATE INFORMATION. 


ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: HI

Complaint narrative:
In accordance with the fair credit reporting act cXXXX account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 2022-12-07 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.

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 2022-12-07 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: FL

Complaint narrative:
I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I went in with a XXXX Monday from XXXX  for my car they promised me that half would be available today the XXXX and the rest the XXXX. I have. rental I am paying for and I am suppose to buy a car today I checked my account and they are not releasing the money until the XXXX now and there is nothing they can do about it I want my check back I will go to my father 's bank they said they can't do that either I am stuck paying for a rental out of my pocket I want my money foe my car with bank of america

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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance is the company that has mislead me with the paperwork at signing. I was not suppose to be an owner or co owner of the vehicle that was purchased from my ex. I only gave my ex a vehicle to trade on for his new vehicle and was only told that I was signing the paperwork for that paperwork and in fact the company forged my signature on multiple paperwork

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 2022-12-07 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
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 can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a.

Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.

Ability Recovery Services also in violation of 15 usc 1681a ( 3 ) ( a ) for sharing my medical information which is suppose to be restricted from my consumer 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 2022-12-07 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
The company fraud department was contacted regarding the online purchases. However, there has been no response from them about any actions being taken to correct the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
NAVIENT Account Number : XXXX Validate/inaccurate reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MA

Complaint narrative:
The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. 

I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.

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 2022-12-07 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD Bank/Target offered a payment plan in XXXX of {$81.00} due on the XXXX of every month starting in XXXX. Payments to be automatically debited. Payments were made on time XX/XX/XXXX and XX/XX/XXXX. 

As of today, XX/XX/XXXX, they have reported me 60 days late in XXXX, XXXX and XXXX. I have disputed several times with XXXX and with XXXX showing documentation and it has not been resolved. XXXX payment is not even due for XXXX more weeks! 

This is ruining my credit and needs to stop! I am paying on time as agreed in the plan that they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I attempted to submit an Experian XXXX, entered bill accounts and other credit card information but the website did not respond as it should have. I read the terms and conditions so membership is not necessary so I am confused as to why my good payment history wasn't honored as advertised on Television. Their customer service support center was dismal and very unprofessional so I submit this complaint to ensure this company is held responsible for selling faulty products on TV.

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 2022-12-07 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: FL

Complaint narrative:
Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.

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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitol One is using unfair business practices on consumers by adding certain amount value for vehicle per or every other certain day. This investigation been opened and has been made aware of cramming that causes a consumer with excellent credit to be in more debt purposely by Capitol one.Evidence has been documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I went thru a loan modification, and have made all of the payments as instructed by Freedom Mortgage, which is reflected in my payment history. Freedome Mortgage did not apply the funds correctly, and left the account as delinquent. I called multiple times over 2 months and was assured it was an error on their part and that it would be corrected. Then when it went on my credit report again I called several times, and again I was told it was an error on their part and it would be rectified. As of today it still has not, but the payments were made on time per their 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 2022-12-07 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Good Morning, I have a Caesars rewards Visa card with Comenity bank " The bank is a subsidiary of Bread Financial '' Customer Care Address. Comenity Bank XXXX XXXX XXXX. XXXX, OH XXXX I had a balance of XXXX on my card however, I've paid the entire balance as of XXXX XXXX That said, Comenity bank has not reported my credit since XX/XX/2022. I had several attempt to contact and ask them via phone why it wasn't reported but customer service always mentioned that they can't do anything about it. 

Following phone contacts with no results, I've sent messages to the customer service asking them to remove it but they responded back to me to call the customer service which was a loop of poor consumer relations and mishandling of the case. 

When I got a car loan in XX/XX/2022 this credit balance lowered my credit score and caused a higher interest rate. 

Fair credit reporting act 15 U.S.C. 1681-1681x clearly states that company should report credit in a timely manner. 

Appreciate your help on resolving this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief