vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 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: NJ

Complaint narrative:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2022-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
LoanMart continues to report payments to the all 3 major reporting agencies inaccurate. The purpose of this is to renew the delinquency date of the loan. I have never made a payment to this company and have emailed them to inform them I will be handling this legally. There has been a numerous amount of incorrect information being reported. I have contacted this company since XXXX of XXXX giving them ample time to fix this issues. 

Currently they are falsifying payment receipts to all 3 credit bureaus. I have never paid this company any monies as they continue to report receipt of payments. 

The key was lost to the vehicle resorting in escalated fees while the tow company attempted to reach LoanMart. They were unsuccessful, although I was still charged for the lack of response resorting in the XXXXow yard having to break the lock. 

In addition, LoanMart has never received a payment due to the disagreement regarding this account. They continue to report false payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Behind on payment for credit card, made payment arrangement for XX/XX/XXXX to pay balance. 
Receiving calls of upwards of 10 times a day, from different numbers and also private numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-09-05 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: FL

Complaint narrative:
Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime let someone take XXXX of my XXXX check they let someone make 21 transactions and then denied my claim it then I deposit {$200.00} and this is supposed to be for rent now my wife said months XXXX  and I deposit {$200.00} and I left my bank card at the gas station and I'm on social security cuz I have a XXXX XXXXXXXX and my PIN number was with my wallet and as I'm on the phone with time trying to cancel my card and they put me on hold for 2 hours somebody done found the card and took the money out the ATM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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:
Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: PA

Complaint narrative:
It is impossible for a charge off to be an open account, it is being reported as an open charge 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 non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is impossible for a charge off to be an open account, it is being reported as an open charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: American First Finance, Inc.
State: FL

Complaint narrative:
AMERICAN FIRST FINANCE XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Morning : I had a Bank of America account and was maliciously overcharged on interest rates. A number of companies maliciously stole my monies every month for over 5 years. They maliciously stole my money and never offered me a refund as my Services were never rendered. 
I complained about money that never got delivered properly. 
I would like to report Bank of America as they closed down/shut down over 5 locations. 
I now have XXXX dollars and am upset. 



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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-09-05 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: FL

Complaint narrative:
Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-09-05 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 — Card was charged for something you did not purchase with the card
Company: N.A.R., Inc.
State: MI

Complaint narrative:
Information for N.A.R. Inc. 

On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank to XXXX ( Bill of sell, Crook 1, Crook 2 ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks 1 and 2. 


I would like to Know HOW many other fake accounts were set for the XXXX  up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX  veteran!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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:
Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: VA

Complaint narrative:
Macy 's Credit Card told me I would have to pay an extra {$5.00} fee today just to pay my credit card bill on my due date. Their auto pay phone system automatically kicked me over to a human being who said I would have to pay {$5.00} to pay my bill with human assistance, although I had already spent about 30 minutes and made about three calls to three different Macy 's automatic bill pay phone numbers I found online. They rerouted calls so that I could not use their automated bill pay system and avoid paying the extra {$5.00} fee. Their policy states you must pay the fee. But it is a contrived crisis. I could tell from the resigned tone that Macy 's employees used -- as if they had already encountered a lot of grief, cursing, and rants about the {$5.00} fee. 

This is my point. If XXXX or XXXX people are forced to pay Macy 's an unexpected {$5.00} fee on their credit card due date -- do the math. This so-called crisis was premeditated before my XXXX XXXX, XXXX  due date. It was not an accident or coincidence that on XXXX XXXX ( which was my due date for paying my Macy 's ) well, the automated phone pay system did not work -- not once but three times during a 30-minute or so span. 
XXXX XXXX ( XXXX Please Send Me a Text Because I Don't Answer Unknown Calls

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 2022-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
THIS IS NOT MY ACCOUNT. ARGUES WHEN CONTACTED. ASKED FOR PROOF AND HAS NOT PRODUCED PROOF OVER 2 YEARS AGO. NEVER HAD CABLE OR SERVICE, I DO NOT WATCH TV. WAS IN HOSPITAL 6 TIMES DURING THE TIME THEY SAY WAS OPENED. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX details 0 % of this account is paid off Balance {$520.00} Balance updated XX/XX/XXXX Original balance {$520.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2022-09-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX Inquiry 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

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 2022-09-05 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: NC

Complaint narrative:
I have been attempting to dispute practices and false reporting by CitiBank NA on my closed account. Because of my complaints against them, CitiBank flagged my account in XXXX and increased the balance for fees/interest/ other which exceed the total of the credit line even though the account has been closed for years. I received notification from XXXX that CitiBank flagged my account in XXXX, and it resulted in another major credit score drop. CitiBank, being the predatory lender they are is attempting to ruin my credit even further than they already have. There should be no new flags or costs associated with this account since it has been closed for years, and per Citi was transferred to a collection agency over 3 years ago.

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