vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: Resurgent Capital Services L.P.
State: MI

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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD sold me an overdraft protection as service with a promise that when I link the account the fee will be only {$3.00} for each transaction. However, I noticed that TD have of late been charging my accounts excess transfer fees, overdraft fees of {$35.00} per transaction plus {$3.00} per one transaction. I need refunds for the fees charged to my accounts as they violate the contract agreed upon in the overdraft protection plan or program. The bank has breached the contract that they forced me to agree to, but they do not abide by or follow. I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
Refund owed has not been received. Details and assistance not being provided. 

I sent an overpayment of {$4100.00} to XXXX XXXX XX/XX/2022. They claim to have returned the overpayment to me but I have not received the money. When I have asked for detail via the online customer service portal and also via standard mail repeatedly since that time, I have not received the detail requested and I still do not have the money. 

The check sent to them for the overpayment was generated by a third party ( loan proceeds requiring debt payment ). I have contacted that bank and they claim they have not received any returned funds from Comenity for that amount in my name or into the originating account. Comenity first claimed the money was sent via wire but did not provide detail. Then it was claimed to be sent via check, but I have not received it and they have not provided information on whether or not that check has been cashed by someone other than me. There is no one else in my household so if it has been cashed, it has been done fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: Cogent Road, Inc.
State: NC

Complaint narrative:
XXXX XXXXFTC REPORT cover XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CT

Complaint narrative:
I've tried everything. I borrowed $ XXXX in student loans between XXXX. My loan was sold and they tripled what I owed. I've been told by so many that it isn't their problem. Wrong! It is. Because government has not regulated those that buy these loans, you let them charge astronomical interest rates, they can change your loan amount. I now owe over $ XXXX, granted some is in interest but when payments exceed what you can afford and no one wanted to lift a finger to fix all this- you can collect it from no one when I die. Because I'm it. There will be no one.. So why don't we try actually fixing the problem with mine and others- because you can't tell me you didn't know there was a problem. XXXX, just got sold again to Mohela. Think they'll fix any issues? XXXX no- not their problem. Not the state 's problem where you got the loan, not the federal government 's banking problem, not the Department of Education 's problem. So honestly, who's frickin ' problem is it? When you show seriousness I will provide you with my student loan paperwork. Not going to waste my time if you're just going to waste mine. 

My loans were not up for sale to the highest bidder yet State and Federal Government allowed my student loans to be sold to the highest bidder. I trust the government like a hole in the head, because you have all just passed the buck. Fix it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
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 accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -May XXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXX ) -Jul 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 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 2022-09-02 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: ONLINE Information Services, Inc.
State: MI

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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: ERC
State: MI

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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
I got a Destiny credit card in mail today. I never applied for it, so called company and they had all my information. When I told them I did not apply she said cut up and they will investigate but also to contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After providing feedback to Experian yesterday, I received an email notification from Experian indicating yet another intent to refuse to correct or remove inaccurate information from my credit file as outlined in the attachment to this complaint. 

My verifiable driver 's license and social security card has been provided to Experian on more than one occasion, including but not limited to an attachment to one of the complaints filed previously.

The numerous identity issues and inaccuracies have been brought to their attention in countless ways, including CFPB complaints which Experian does not take seriously either, and now they want to continue to claim, that multiple names not associated with me, don't affect my credit so they are not going to correct the information -as well, stating that they believe it is frivolous on my part to ask that this information be corrected.

I believe it is the full and willful intent of Experian to continue to alter my legal name and continue to financially and emotionally cause as much damage as they can.

It is now my intent to pursue all legal and criminal avenues available to me, against Experian due to the continued unwillingness to correct my credit report and to continue to play games.

The damage that they have caused is extensive and they are fully aware of this fact. 

Because they have yet again refused to follow the FCRA and have violated my rights, it is now time to make sure that the CFPB is aware of this latest attempt to cause me personal and financial harm.

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 2022-09-02 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: OK

Complaint narrative:
I have inquiries on my credit report that are unauthorized and I have sent in documents to give evidence of inaccurate information. 

Inquiries are listed below : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NJ

Complaint narrative:
I have been in written contact with Transunion over XXXX times, I have ask them to investigate and provide proof of verification regarding late payment of XX/XX/2020 on account XXXX XXXX with the following account 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I can not begin to tell you how this has caused me and my family much anguish and pain. I can not move my children into a safe neighborhood because I am constantly being denied for a loan. Do you know how this feels. Transunion violated my rights under the 15 USC 1681 section s 604A that a consumer reporting agency can not furnish information on any consumer report with out written consent from the consumer. I have not given them written consent to furnish anything. Furthermore, according to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2022 after attempting to access Equifax credit report on the myEQUIFAX website, the system redirected me to call EQUIFAX at XXXX  ( XXXX ) EQUIFAX with a system error NH EQUIFAX stated that there was no history of me every having any credit or active account and/or history and that the error code NH states internally that there is credit NO HISTORY My entire 22+ year credit profile has gone missing, shortly after filing a complaint with CFPB on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I've written to PNC several times on this loan. This loan was created under fraud years ago under a business that no longer exist, but I've been always scared not to pay to min due to credit effects. I have a good credit score and would not want to jeopardize it. 
I have contacted via phone, letter to PNC and they can not come up with a copy of the loan agreement. 
Why should I continue to pay them? There is no proof on record and I continue to get statements. 
I'm looking for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: MD

Complaint narrative:
i submitted a dispute to Experian due to inaccurate information being reported on my credit report instead of deleting the inaccurate information being reported they deleted accounts other than what i disputed

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 2022-09-02 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: KEYCORP
State: SC

Complaint narrative:
There is Fraud on my Keybank XXXX credit card. There are charges stemming from XXXX, XXXX, and XXXX of XXXX  totaling about {$1600.00} including interest totaling almost {$1700.00}. I notified KeyBank of this matter, and they temporarily adjusted my account the fraud charges that I claimed to them that I did not authorize. As of XXXX, they put the fraud charges back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
An account was open with XXXX  with my information. I already have phone service with XXXX XXXX XXXX. I seen it on XXXX XXXX and I don't know what information they have on me. 

I have called XXXX and XXXX and filed a fraud alert. I also called the Sunrise Credit Services and they lead me to XXXX. I let them know that I didn't open the account and they filed reports in there systems. I am awaiting on the reports as of XXXX, XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation