vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2022-11-28 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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
I'm filing this complaint against Equifax for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a 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 2022-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called and filed a charge back for 5 charges on my account from BOA. They only paid me for 4 and then they did not put a stop payment and the company was able to debit my account 2 more time. I first filed in XXXX or XXXX. For 5 charges for XXXX. They only payed me for 4 transactions then they went into my account 2 more times after I was told that is was a stop payment. I have been with BOA for a long time. Thus is not right. So are you saying that the company that never gave me any services get to keep my {$94.00}. The people at BOA are becoming very rude.

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 2022-11-28 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: Driveway Finance Corporation
State: TX

Complaint narrative:
But my credit report there's a company called driveway it is listed with all three companies account number XXXX. The XXXX type on the account is showing auto financing for XXXX and XXXX and finance/personal for XXXX none of the three are correct and it should be as credit sales. The contract will sign in the dealership and let me add that the balances are incorrect. Shows how balance of {$8400.00} and also a balance owed of {$3400.00}. The account is listed as closed and collection / charge off with an owed amount that is incorrect as well. The vehicle was repossessed and auctioned however gap insurance was a part of agreement. If the finance company filed the gap insurance the balances are incorrect. I have sent validation letters to the bureaus get no validation letter has been delivered to me as requested. I would like to document the certified mailing as of XXXX for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived at this apartment location I completed out of my lease when I fell on hard times I went through an agency who paid the remaining balance of my lease was 2 months which should have been no more than {$2000.00} the agency informed me that they paid the balance I moved and cleaned the apartment turned in the key few months later I checked my credits report and realize that the same apartment complex XXXX XXXX national credit systems placed a XXXX debt on my credit I have disputed this over and over I've spoken with the apartment complex I've even taken what letter I have from the agency that sent out a check to them and the office claim to have no records of the payment as they says all the old office workers have been fired or quit and they have no records so please help or please give me some advice on what I could do thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2022 my Savings account got fraud bad check deposited and took {$200.00} out.. so Citibank blocked my savings which is good but holding my remaining check from my employment direct deposit of {$1100.00} that they on hold processing to be mailed to me..But I been told they have to wait 60 days which is bull crap.. Cause it's holding up my bills and rent cause there time ranges. I have called almost every week trying to get this expedited and get people that can't understand XXXX and not very helpful. Deposit risk department told me, a different area has the check but won't release it and close out my account. All I want is my employment check mailed or XXXX to me ASAP. They already blocked me from reading messages from them or even looking at acct.. I want it closed today and check mailed to me. 

Please assist and have them process today. Thank 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 monetary relief
Consumer complaint received 2022-11-28 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: LoanCare, LLC
State: GA

Complaint narrative:
I'm filing this complaint against XXXX for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
at the beginning of the year XXXX XXXX  me and my wife bought our first home, va backed, and was told the mortgage payment were going to be XXXX  a month ... and for the first 3 months everything went well then about XXXX got a letter stating my morgage payment was increasing to cover a shortage in the escrow account at that time i understood it was a short term to help get extra money in that account ... after a few more months of paying the higher cost i called and asked in XXXX and was told they would review the account in XXXX XXXX XXXX  .... so, I waited for payments to go back down but in late XXXX i got another letter stating the same thing and now my Morgage is going up again but this time to XXXX a month and i can't afford it but the company won't drop the payments back down to or even close to what was. if this is an annual assesment why has it gone up twice within 8 months ... why was my va loan approved for the XXXX amount if they were just going to increase it in a few months saying not enough in escrow accnt...

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 2022-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CREDIT REPORTING ORGANIZATIONS SHOWING ME RESIDING AT XXXX XXXX  WHICH I NEVER HAVE. ALSO SPEAKING WITH XXXX ( XXXX XXXX XXXX XXXX THEY STATED ACCOUNT /CREDIT CARD WAS ISSUED USING MY NAME IN XXXX FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MI

Complaint narrative:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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 non-monetary relief
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX 1. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct Number : XXXXXXXX XXXX XXXX ACCT  Number : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I notified this NCB collection agency on XX/XX/2022, for complete verification and notified them that this suspicious account is In dispute because of the possibility of identity theft. 

This collection agency has failed to provide me with the essential verification as required within the required time. 

I have never received any collection letters from said agency required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/2021, I received notice from US Bank, they would be raising my rate from 8.99 % to 13 % only on any new purchases. I called them as allways pay early more than the mininmum, often in full. They said my credit score dropped. I had sold my home to buy property and build a new home & business, currently renting, and was a ex XXXX customer, just received notice of possible id theft. I advised this is not correct, but will not charge another thing on that card remove monthly autopays ect. which I did except 1 annual auto pay. I have not charged one thing on that card since only paying off the balance. over the last 2 months US bank has been raising the interest rate on the old existing charges last bill they charged was 11.24 % this month 12.74 %. I called them spoke with the credit department adised this is theft. a small amount perdium, per numerous customers is XXXX  of XXXX. a Superviosor XXXX came on I demanded to know why a customer with a XXXX XXXX XXXX never late is being treated like a credit XXXX  per their actions was telling her about the notice last XXXX, XXXX said do you want to know why or just keep carrying on. I said why she said It's the law when the fed goes up we have to increase our interest rates. I asked then why has XXXX XXXX XXXX never done that to me if that is the law. XXXX advised I don't know, I don't work for XXXX  XXXX XXXX. This company has been nothing but a problem, when I moved and called gave them the address change, the sent one bill then nothing. I used my old statement to pay 1 week in advance. Called about my statement some how the name of XXXX XXXX was changed in their system, I had to go back over and correct that with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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:
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. 
Accounts : 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 XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 USC 168s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
XXXX XXXX  # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO 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 non-monetary relief
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
XXXX XXXX # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
XXXX XXXX  # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO 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