vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXXXXXX XXXX XXXX acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXXXXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

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 acodunt 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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please look at the attached documents as the personal information you are reporting are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, Experian, and XXXX written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXXXXXX XXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXL, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh

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 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
Hello my name is XXXX XXXX and I have tried and tried calling this company several times trying to establish a legal and binding pay back agreement on this loan and I am being hung up on and disregarded with no regard to setting up payment agreement.PLEASE BE ADVISED I AM NOT GOING THROUGH WITH FILING BANKRUPTCY and is trying to save my credit. I have not been offered an extended pay plan at all although this is what was stated that would be offered upon account default with last cfpb complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status she stated she opened a ticket about it and would follow up with 24 hrs and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report. 
XXXX XXXX XXXX  XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. 
I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX  days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 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: CLGF Holdco 1, LLC
State: FL

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

15 USC 1681 section 604 A section 2 : it also states a consumer REPORTING AGENCY CAN NOT Furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to initiate account closure with HSBC via phone but as of XX/XX/XXXX I do not see any evidence of action taken to actually proceed with the closure. I would like to close my HSBC Premier Account XXXX, and my HSBC Premier World Mastercard Account XXXX, and my HSBC Brokerage Account XXXX. The Premier World Mastercard has a negative balance of XXXX that I would like to be mailed to me as a check to XXXX XXXX, XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, IL XXXX, XXXX. I have cleared HSBC Premier checking account balance to {$0.00} and to this date have not figured out how to fund the brokerage account online so it also has {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
Yesterday, I printed the attached most recent data from Equifax for my XXXX XXXX XXXX ( XXXX  ) account which continues to inaccurately report my XXXX account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my XXXX report to this date continues to report my account as OPEN. For Equifax, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, Equifax and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached XXXX letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Yesterday, I printed the attached most recent data from XXXX for my XXXX XXXX XXXX  ( XXXX  ) account which continues to inaccurately report my XXXX  account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX  maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my Experian report to this date continues to report my account as OPEN. For XXXX, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, XXXX and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!

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 2023-04-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/23 I checked my equifax report and I noticed that XXXX XXXX had submitted an inquiry that I had no knowledge of. I contacted XXXX XXXX credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact Equifax. I then contacted Equifax and they informed me that I would have to file a report before they can remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with accounts and collections that are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX  XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ). 
I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question. 
I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA. 
Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: VA

Complaint narrative:
This is now the third time I have disputed this duplicate mortgage account. I have tried many times to dispute this through the Equifax website but they keep returning that the account is correct. This is a duplicate mortgage account with the same servicer, same account number etc. Twice they have said they have removed the account but the problem remains that they are deleting the correct account. Because of this each time they say it is corrected and the next month rolls around where I make an on time payment the account is duplicated yet again. 

The correct account is XXXX XXXX with a balance of {$270000.00} last updated XX/XX/2023. 

The duplicate account is : XXXX that has not been updated since XX/XX/2023 with a balance of {$270000.00}. This duplicate account has not been updated since my last dispute which is why the amounts do not reconcile. The address is XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

I have attached a screen shot of the two accounts with the correct XXXX account and the duplicate XXXX  account clearly marked. 

Please delete the correct account. If you delete the correct one again this will just happen again next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Hello Transworld, The property was sold on XX/XX/2018 and informed XXXX of the closure account over the phone. The balance was nil. We have also sent a copy of the HUD statement to XXXX on a follow-up call with XXXX. XXXX has agreed to clear the balance upon receipt of the HUD statement. This was already reported in the past and removed after investigation. Not sure why it is popping up again. The balance is incorrect and is more than 3 years old. You are trying to collect the balance illegally and unethically hurting my credit score. This is the last warning before any legal action and damages for {>= $1,000,000} damages to Transworld Systems. Please find the attached HUD statement provided to XXXX and take the necessary action. 

Note that the name in the statement is not mine. Not sure whether this causing the issue with XXXX. 

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy. Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XX/XX/XXXX, I chose to do 4 balance transfers to my Pentagon Federal ( credit union ) credit card in the amount of {$4800.00}. In XX/XX/XXXX, I chose to do another balance transfer in the amount of {$8700.00}. All of the promotions included 0 % interest for 15 months. Following is a breakdown : XX/XX/XXXX - {$820.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1900.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1300.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$720.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$8700.00} ( 15 month 0 % interest/ expires XX/XX/XXXX ) My complaint is regarding unfair credit practices. I have had numerous conversations with Pentagon Federal about my intention to pay off the 4 balance transfers that expire on XX/XX/XXXX. However, due to their system limitations, the payment allocation is equal amongst all 5 balance transfers and there is no way to adjust the payment allocation to ensure that the balance transfers which expire first are paid off without accruing interest. I have discussed this issue with Pentagon Federal on multiple occasions and they have provided no solution. Furthermore, because the balance transfer which expires on XX/XX/XXXX has the largest balance, the majority of every payment I make goes towards that balance transfer. This makes it impossible to manage the first balance transfers to ensure that I pay off these balances before accruing interest. Following is an example of how my recent payment was allocated : {$500.00} payment was applied in XX/XX/XXXX as follows : Balance {$470.00} - {$21.00} payment applied Balance {$1100.00} - {$51.00} payment applied Balance {$770.00} - {$35.00} payment applied Balance {$410.00} - {$19.00} payment applied Balance {$8100.00} - {$370.00} payment applied As you can see from the above example, 75 % of my payment is going towards the balance transfer that has the largest balance. With only 25 % of my payment going towards the 4 balance transfers that expire first in XXXX, there is no way to effectively manage these promo plans without hitting the expiration date and acquiring interest. Although the current balance for the 4 balance transfers is {$2700.00}, even if I make a {$5000.00} payment, there will still be a {$1200.00} total balance for the 4 balance transfers. This is an unfair practice that harms the consumer. With all other credit cards I have had, I have been able to determine the payment allocation to effectively manage the promo plans to meet my needs.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called bureau & sent certified letters XXXX and XX/XX/2023 My first name is spelled in correct They have me formerly known as name incorrect There are unauthorized inquiries on my report along with Old addresses Old phone # Old employers

Company response to consumer: Closed with explanation