vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I paid off an old XXXX account that was closed. They started billing me an amount XXXX for something I have no reason to owe! I have tried numerous and numerous of times to have it removed, but it will not be removed from my credit report. I have tried to reach out to XXXX XXXX XXXX AND NO ONE WILL EVER REACHED BACK OUT TO ME. Please someone if they would help me with this problem.

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 2022-03-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS

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 2022-03-28 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
I paid XXXX XXXX before loan was transferred to Navient in XXXX. I have no record because I bank with a different bank Shows XXXX day late without XXXX or XXXX day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Insikt, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called the company as they had charged me 4 different amounts for two loans that were paid off that date. However, they refused to reimburse these two extra charges. As a result. I called my bank to dispute the two extra charges this company was charging me. But, then the lending company argued that I had not made the payments and started charging me extra fees and interests for these loans I had already paid off. To this date, they are charging me for these extra fees that I have already paid.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-28 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: CA

Complaint narrative:
I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, XXXX, and transunion about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. Bankruptcy court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted 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 2022-03-28 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 XXXX. 
U S DEPT OF EDXXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 2022-03-28 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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 2022-03-28 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I disputed by Portfolio Recovery after receiving a debt collection letter from them. I requested a debt validation letter and mailed it by certified mail with tracking information on XX/XX/2022. I received nothing from them. I received an update on XX/XX/2022 saying Consumer information was verified but that I disagreed on XXXX credit report. They have not sent me anything after the dispute. I have copy of the letter they sent me and the letter I mailed to them. No investigation information or nothing. They just went to credit bureau and they updated it. How is this right? I have a right to receive a validation letter from a creditor according to the Fair Debt Act. Also stated that this was not a refusal to pay on the letter mailed to them. I have copies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: AR

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, XXXX AND XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX HAVE ALL VIOLATED MY RIGHTS.

PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to access my Experian report but Experian keeps stating that I am a minor. I am NOT a minor. Please fix this issue. There must be a mix up in my social and/or name. I have attached proof of my ID.

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 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
This debt was discharged back in 2016. There was a judgment filed against me. I never received a Letter of Satisfaction. I have a 1099-C for Cancellation of Debt. I have paid taxes because a Cancellation of Debt is considered income. This matter has been resolved, but I have not received legal satisfaction with Washington County Clerk of Courts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in dispute request to Transunion XX/XX/2022. I then received a letter dated XXXX XXXX, stating the would not process my dispute because it " didn't appear '' that I sent it in or a properly authorized party sent it. I sent the letter along with my Driver 's License, identifying who I was, in addition to a picture of my actual social number as an added layer of protection. This is definitely a stall tactic and as per the FCRA, Section XXXX ( a ) ( XXXX ), the company has 30 days to investigate. The company has no control over me should I want to hire a credit XXXX to find the blatant fraudulent attempts they are responsible for.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I use Eperian as my credit monitoring service and almost daily I receive an email from them saying that they have identified several credit cards which match my credit profile.I then typically apply for one of those cards and I an always rejected because of info they have obtained from Eperian ; typically because I have applied for too many credit cards.

So here Eperian suggests several credit cards for and when I apply I am rejected based on info from Eperian.

So in effect they, Eperian, are encouraging me to apply for certain credit cards and when I do it adversely affects my Eperian credit

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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I use my Chase debit card, of which I am the only person listed on the account, Chase sends an email to an address that I have never authorized. There is nothing in my online profile that shows this email, only my email account is listed, yet every time I use a point of sale terminal, it sends an email to some other address.

I have been working with Chase for 4 weeks to no avail about the security of my personal financial information to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
The company NC Financial has been reporting on my consumer report incorrect information. It's reporting as a charge off and a collection at the same time. But doesn't show who owns the account currently. This is a violation of the FCRA 1681s-2 as they have the responsibility to furnish accurate information to consumer reporting agencies.

They also have not complied with the FCRA and replied to my requests for validation per 15 U.S. Code 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
A Victoria Secret account was opened with my information.

I sent letters, spoke with multiple agents and nothing changed the status.

I was harassed to admit that this account was my account and it is not.

Victoria Secret has not only harassed me, but caused severe anxiety and has also made it hard for me to purchase anything because of this delinquent account that has reported for 23 months. I have NEVER opened an account with Victoria secret

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Meritize Financial Inc.
State: NY

Complaint narrative:
I am asking for proof of payment of my Loan provider ( meritize ) to my college ( XXXX XXXX  ) but They are not providing me the proof. I have been paying Meritize my loan for the last 4 years and still paying on time. i am getting no response from Meritize.

beucause of this, i am getting my certificate from my College. i called many times to Meritize XXXX XXXX They are not responding me even after repeated calls and request. 


loan Servicer - Meritize XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX https : //www.meritize.com XXXX XXXX  - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation