vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: CITIBANK, N.A.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b 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 non-monetary relief
Consumer complaint received 2023-04-15 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: CA

Complaint narrative:
I've been sending letters to XXXX, XXXX, and Transunion in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been sending letters to XXXX, Equifax, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Placed two charges on my FNBO credit card for a beach front rental property for the week of XX/XX/XXXX thru XX/XX/XXXX. The first charge was in XX/XX/XXXX for {$1900.00} and the second was on XX/XX/XXXX for {$2900.00} We arrived at the property and had nothing but continuing issues. The issues ranged from the Air conditioning not working to the stove and oven not working. Additionally despite an extra charge for cleaning there lazy suzan was full of dirt and some kind of liquefied mess. The portable air conditioners brought in soaked the carpeted floors and caused additional problems. 
Despite all of these issues at no time did the rental agent offer us a different rental property. Something that is stipulated in the lease agreement when the property becomes a problem. 
Upon my return home I contacted XXXX to get a refund. What they offered was {$400.00} which I rejected. My next step was to dispute the charge with my credit card company. 
The dispute was made an in XXXX I received a letter that my dispute could not be honored. FNBO gave as it's reason that according to Visa if you stay for the entire rental dates no refunds are issued. 
Based on this I contacted Visa and received an e mail that they have no such policy and refunds are the discretion of the card issuer. 
Since then I have been going back and forth with FNBO. I requested documentation about this policy and also tried to explain that short of returning home we had no other place to go. There were 8 adults and XXXX children using the house

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been sending letters to Experian, XXXX, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.

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 2023-04-15 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: KS

Complaint narrative:
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 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NC

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 15 U.S.C 1666B : 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 non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: AL

Complaint narrative:
I got a loan for {$470.00}. Now the company is saying I owe them XXXX  XXXX. They said the repayment would only be {$470.00} + XXXX XXXX in interest. Now they are saying I owe {$2000.00} & my installments are only paying {$2.00} towards the principal every payment. They representative said 1/2 of the {$130.00} payments was the principal & the other half was going to the interest. This was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TN

Complaint narrative:
I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, Trans Union and XXXX. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.

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 2023-04-15 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: TN

Complaint narrative:
I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, XXXX XXXX and Equifax. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
This is secondary complaint to closed ( without resolution ) case XXXX. Although Mohela admitted they should not be accruing interest on my federally-held direct student loan during the forbearance, and even removed interest accrued before XX/XX/23, they are AGAIN accruing interest on my loans, so far {$8.00} since XX/XX/23. The incompetence and at this point outright fraud being displayed is enraging. How many other people forced to deal with Mohela as a servicer are experiencing this same issue unknowingly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 non-monetary relief
Consumer complaint received 2023-04-15 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: LA

Complaint narrative:
XXXX XXXXXXXX transunion improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.

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 2023-04-15 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: LA

Complaint narrative:
Experian XXXXXXXX XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.

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 2023-04-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  account # 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXXXXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TN

Complaint narrative:
I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to Experian, XXXX XXXX and XXXX. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I was sent a Milestone Master Card that I did not apply for Then I received a bill for that card. That card was disposed of when I received it. Now the company won't close the fraudulent account or cancel the amount owed. They said I had to file a complaint first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TX

Complaint narrative:
On XXXX, I sent in dispute letters to all 3 credit bureaus, only to receive 3 letters from XXXX, and XXXX on XX/XX/23, XX/XX/23, and XX/XX/23 advising they thought the dispute letters had not come from me, and the letter from them stated, they would not investigate my inaccuracies on my credit report, a clear violation of the FCRA. This is a continuing tactic of the credit bureaus, especially with XXXX and XXXX. I included a copy of my ID and proof of address with all the letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: DISCOVER BANK
State: CA

Complaint narrative:
I contacted discover bank in XXXX XXXX XXXX, utah branch via letter on XX/XX/2023 to make them aware of what their parent company discover bank out of XXXX  XXXX, ohio sent me as a 1099c form which is a cancellation of debt. also they mark box 6 on the IRS 1099c form that with a decision or policy to discontinue collections. it clearly say it on the 1099c form they filed with IRS, in other words that became taxable income for me. I remember reading some where that the FCRA says that income is not debt and can not be reported to any credit agency at all since income is not consider debt. I sent discover bank in XXXX XXXX XXXX this exact document to back up my claim, they relied with a bogus letter they seem to be playing games even after i gave them Real proof. I have attached the required documentation that they need to remove this inaccurate item from my experian credit report, Please help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I sent a certified letter to NCB Management Service requesting that you provide verification of debt on XX/XX/2023 delivered and accepted on XXXX XXXX @ XXXX. Requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and if the are licensed to collet set in my state.

I did receive any information they send me another letter on XXXX XXXX requesting payment.

Company response to consumer: Closed with explanation