vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
UNTIL EQUIFAX CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX AND XXXX XXXX XXXX MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EQUIFAX INFORMATION SERVICES, LLC I DEMAND EQUIFAX DELETE THE FOLLOWING ACCOUNTS! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: U.S. BANCORP
State: GA

Complaint narrative:
I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07 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: SC

Complaint narrative:
Hello all, I have disputed a negative remark on my credit report with all XXXX major agencies for XXXX XXXX XXXX The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?

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 2023-01-07 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: PA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : ( 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  ) Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX  cut a check mailing the payment back to me, with a note that the account had a XXXX balance. 
XX/XX/XXXX - I cashed the check and went to the XXXX XXXX  portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed. 
XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account. 
XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX. 
XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them. 
XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest. 
XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed. 
XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed. 
XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: PA

Complaint narrative:
UNTIL EXPERIAN CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EXPERIAN I DEMAND YOU DELETE THE FOLLOWING ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation, and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond, or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: OH

Complaint narrative:
This is a continuanance of case : XXXX which was unresolved They sent me a file boiler disclaimer. 
It did not address the {$600.00} owed me as mentioned on their voice robot! 

And they did not mention how they miss-handled purchases XXXX through XXXX of next month that should have been in pending. 
But they processed those purchases without using a full XXXX day pending! 
And this caused unnecessary compound interest against those less than 28 days purchases! 



I request a full CFPB audit of their process of policies, And Operating Procedures, And Fair Banking and credit card procedures! AS A BASE TO AUDIT : ( XXXX ) WHAT WOULD my STATEMENT FOR XXXX HAVE BEEN IF THE PURCHASES MADE ON THE XXXX AND XXXX HAD BEEN GIVEN XXXX DAYS IN PENDING? AND WITH THE XXXX PAYMENTS I MADE TRYING TO OBTAIN A XXXX BALANCE. BUT AS IT TURNED OUT, THE RESULTS APPEARED WITH MUCH CONFUSION? 

AND OF COURSE, HAVE THEM DO THEIR OWN CALCULACTION, AND YOU XXXX PERFORM YOUR OWN CALCULTIONS FOR FAIR COMPARISON! THEN SEE IF THIS IS FAIR! 

TODAY, I KNOW I NEED TO MAINTAIN A XXXX BALANCE WITH THIS COMPANY AND TO " NOT MAKE ANY PURCHASES DURING THE XXXX TO THE XXXX OF THE NEXT MONTH! AGAIN .... " XXXX BALANCE AND NO PURCHASES DURING THE XXXX THROUGN THE XXXX OF THE NEXT MONTH ''! UNTIL I CAN SWITCH TO AN HONEST COMPANY!

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 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I was approved for financing with Conns. I purchased a television for {$600.00} and requested to pick-up the appliance in lieu of having it delivered. When I received the invoice and installment contract to sign via XXXX, a delivery fee of XXXX + tax was included on the contract. On XX/XX/2023, I called the customer service department to request a new contract and invoice with the delivery fee removed. The agent said it was system glitch. I was told they would not remove the delivery fee or send a new contract but would credit the delivery fee to my account. I explained just crediting the delivery fee to a persons account would not actually resolve the issue as your company adds this fee to the installment contract which means it will subject to interest. She further explained thats all they can do and would not issue a new contract. I cancelled my order. It is my belief that Conns does this as a practice to commit fraud against their customers by adding a delivery charge to all online orders. It seems to me as bait and switch at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: ID

Complaint narrative:
Since XX/XX/XXXX I have been disputing an auto loan from XXXX financial through Experian. The loan on the vehicle included fraud. The surety bond nationwide, who provided a surety bond for the auto loan had me sign a release, an assignment and surrender the vehicle to nationwide. I provided proof of this to Experian since XX/XX/XXXX. It was initially deleted off my credit report, and then it would be inserted without any notice a clear violation. He failed to re-investigate properly despite having sufficient proof of the release in assignment as I uploaded it to them. It was re-inserted in XXXX in XXXX and I again recently disputed the account and it is stating it came back as updated. The amount on the loan was {$200.00} it is showing XXXX on other consumer reports, it is deleted or shown as a charge off while on Experian is showing different. The account is no longer mine and needs to be removed immediately off of my credit report. Experian has failed to validate the debt and participate in a properly in the causing me great damage, and the inability to get another other auto lone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: AZ

Complaint narrative:
I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX

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 2023-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Me and my wife have lived in our house since XX/XX/XXXX, with a 2.25 % interest rate. 
During COVID 19 epidemic I took advantage of payment assistance program Wells Fargo offered, this was the beginning of XXXX. I am self employed and my wife was in school and I was hit by loss in work due to not being able to enter customers homes. Initially when I spoke with them they said when the time came to pay back the payments I would be able to tack them on to the end of my mortgage. In XXXX Wells Fargo reached out on how to proceed with picking up the payments they all out denied the fact they told me they would place it on the end of the note. They said our only option was to do a loan modification. We started that process, with the loan modification they gave us a covid grant from the government that paid for the year or so for skipped payments. Then I filled out and got papers notarized and sent them in. I waited for it to be approved and wells fargo called me around XXXX and I made a double payment on XX/XX/XXXX for XXXX then in XX/XX/XXXX I made XXXX and XX/XX/XXXX another XXXX. They sent us more papers in the mail saying we had to re- apply for a modification because " I made a payment that was not for the right amount ''. Next month comes around and they now start saying that I did not make payments on time so I automatically was kicked off the original modification ( which they never sent anything saying we were approved for modification in the first place ). I argued and talked to multiple people and never got an answer on where the original federal government grant money they got for our loan went. Still they said that I could not go back to the original modification or get payments tacked on the end. They now given us two options, foreclosure or a NEW 40 year mortgage at 7 % interest and the XXXX in payments in interest skipped that was suppose to be covered by the government grant is in a different account that we have to pay whenever the house is paid off.

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 2023-01-07 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: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of Quality Acceptance LLC. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from Quality Acceptance LLC.

Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of XXXX I contacted the card issuer citibank to close a credit card. I spoke to an individual who informed me to pay off the remaining balance and close the account. I paid off the remaining balance and the account was closed. 

After paying off the remaining balance and closing the account citibank posted additional interest and late fee charges to the account. As the account was closed and was no longer being accessed additional late fees were charged on the late fees and interest was charged on the late fees and interest. 

On XX/XX/XXXX I spoke to representatives from citibank who refused to waive the charges. I was lied to and deceived by the initial representative from the bank. 

This is highly predator behavior to close an account and then proceed to charge the individual late fees and interest on the 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 monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/2023 - Sent a " Down payment '' ( {$670.00} ) over XXXX to a landlord for the house. We have texts, receipts and a paper trail and the institution wont even investigate for fraud.

When we tried to call back and confirm everything with the receipts, the number was blocked and we could not contact them again. 

After the number ended up being blocked, we tried to call XXXX and Mountain America Credit union, and the Credit union wouldnt even take a look at the case. That was the last money that we had and this NEEDS to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was removed from my credit report an my credit drop XXXX point instead of moving up XXXX to false information was reported cause it to be removed from my credit instead TransUnion keep dropping my credit stop me from applying for credit loans for a mortgage loans I requested my XXXX should be added to my credit score stop it from dropin stop dropin my credit score for them false information

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