vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
XXXX XXXX  illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by XXXX XXXX. 

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: NY

Complaint narrative:
On XX/XX/2021 I had a balance of roughly {$900.00} in my Albert bank account. I had made a purchase for a rental car through the mobile app XXXX in the amount of {$440.00}. There was an error on the merchants end and I was immediately refunded the entire amount. I then checked my account and seen that there was a positive balance of {$440.00} pending to be re-deposited into my account. I then contacted Albert customer service asking when I could expect it to be available in my account. I was informed they could see it was pending. I continued to contact them. And within days I realized they had removed the transaction from my account completely. ( Later even realizing it was removed from my statements also ) but thankfully I took screenshots of my receipt, my transaction history, the pending positive balance, and our conversations where the representative agreed that what I was correct, that the purchase was made and they could see the balance pending to be re-deposited. But months later Im still battling with this horrible bank Albert to get my money back. Ive been ignored and given the run around numerous times. Ive been told so many different things as to why I dont have my money. Ex. That I never made that purchase, that I never had enough in my account to make that purchase, or being told that the transaction never went though. But Ive followed up with asking well if the transaction was never made, where is my {$440.00}? But Ive gotten no clear answer. Ive went through my statements numerous times. Ive calculated everything and it shows everything Im saying to be correct and Ive told them this many times and they just refuse to take any accountability for their actions. All I want is my hard earned money. Its not okay to be shamed by my own bank and I will NOT stop fighting until I get whats mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MI

Complaint narrative:
When I realized this was a loan and not a credit card- because they portray themselves as a credit card. I did a transfer balance and paid it off the beginning of XXXX. It took them WEEKS to process the check that XXXX XXXX  mailed them. Now 2 full billing cycles have gone by- and it is STILL being reported to the credit bureaus that I have a {$960.00} balance. I have disputed with XXXX and XXXX. And the company is still stating my balance to the credit bureaus is {$960.00}. I can log in online and see my balance is {$0.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On or around XX/XX/XXXX I received a XXXX envelope delivered to my home, enclosed was a debt collection letter from Midland Credit Management for 2 separate accounts. I had no idea these debts even existed, so I sent them a debt validation letter. The debt validation letter was sent back to Midland Credit Management by XXXX XXXX, Tracking number XXXX XXXX XXXX on XX/XX/XXXX. This was well within the 30 days of being initially notified about the debt. 

Midland Credit Management NEVER responded to my debt validation letter as required by Fair Debt Collections Act, yet they have continued to negatively report to all 3 credit bureaus against the law. 

I called them multiple times and was told no one could discuss the debt with me because I was represented by an attorney? I sent the dispute letter by myself, I was NOT represented by legal counsel. I called a dozen times over the course of XXXX months. 

I received another letter in XXXX from Midland Credit Management and again responded within the allowed 30 days with another debt validation letter that went unanswered by Midland Credit Management. This letter also sent via XXXX XXXX XXXX # XXXX XXXX XXXX. 

Both letter sent to the address listed on their paperwork and signed for by an employee of Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI To date, XX/XX/XXXX Midland Credit Management continues to illegally assault my credit reports over unvalidated debts they claim I owe, yet have provided me with no proof of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NC

Complaint narrative:
I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.

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 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.

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 2022-03-10 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: NC

Complaint narrative:
I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian not able to provide Credit Score report despite information flow from my bank to Experian since XXXX. 
Contacted Experian multiple times XXXX and told my bank XXXX XXXX XXXX XXXXXXXX XXXX is not sending Experian my XXXX information. 
XXXX XXXX  XXXX conducted investigation ( see attached letter ) and concluded ( XX/XX/XXXX ) the Experian system does not recognize my first name and hence do not generate my credit report. 
Dispute letter sent to Experian XX/XX/XXXX ( see attached ). 
Received a postcard from Experian acknowledging dispute letter receipt XX/XX/XXXX ( do not have the exact date ). 
Have not heard from Experian since. 
Called Experian XX/XX/XXXX and told that I do not exist in their system and hence can not file a dispute. 
Being deprived of my Experian credit report results in disadvantage in negotiating mortgage with banks and receiving services from companies that rely on Experian for credit score investigations.

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 2022-03-10 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: MN

Complaint narrative:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
XXXX XXXX, EQUIFAX, XXXX AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the creditor XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
XXXX XXXX, XXXX, EXPERIAN AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the XXXX XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

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 2022-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I notified Comenity about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report in my name. They responded that it is Comenity 's policy to comply with all applicable law and regulations, federal law supersedes policy. They are unwilling to remove the account from my report despite my request pursuant 15 USC 1681b ( XXXX ) which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. There is no way Comenity is in compliance with the FCRA if they have not received written permission from the consumer to furnish a report. Per federal law, that is the only way a report can be furnished. Also The FCRA 15 USC 1681 602 ( b ) says " 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. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " 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 ''. Comenity 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( XXXX ) ( 604 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC
State: GA

Complaint narrative:
XX/XX/22 phone call made to spire recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Spoke with a representative to try and make a suitable payment plan. Representative stated I must set up a automatic withdrawal of {$110.00} every XXXX weeks today or they would send in my report to collections. I explained to her I could not make that amount every XXXX weeks, I tried to set up a lower payment plan. She was rude and stated I would be turned into collections. Since my husband and I have had XXXX in XXXX we have been very sick and he has been unable to work, I was not able to explain this as she would not let me, I needed a better payment plan until we could get back on our feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( EXPERIAN, XXXX, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The

credit bureaus have to inquire why my letters are unaddressed within 30 days. CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. CFPB has to require that the credit bureaus remove the negative items from my credit reports
.

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 2022-03-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am not sure of this account with XXXX XXXX  XXXX. This account is unfamiliar to me and I don't remember having any agreement with them. This was reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this 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 2022-03-10 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 HONDA FINANCE CORP
State: MA

Complaint narrative:
honda financial says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/XXXX, I made a domestic wire transfer through HSBC for USDXXXX and the funds have not yet reached their destination, were supposed to arrive on XX/XX/XXXX. 
I call to HSBC US on XX/XX/XXXX ( investigation # XXXX ) and after 2 weeks they informed me that the destination bank was requesting clarification about a reference on the transaction, but due to an internal restructuring of the bank, no accounting officer sent the necessary information. 
Also, I have a claim # XXXX It is assumed that they have already sent the information but the destination bank ( XXXX XXXX ) has not yet received the funds. 
Considering that the payee is my father, attached is his account Statement ( XXXX XXXX ) demonstrating that the amount was not received and also the transaction receipt ( HSBC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: LA

Complaint narrative:
Settled the account with Jefferson Capital Systems and paid the agreed amountin exchange for the account to be listed as settled in full. After payment the account was never updated and continues to damage my credit worthiness. I reached out them again concerning this account and haven't gotten a response.

Company response to consumer: Closed with explanation