vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian, XXXX, XXXX, dispute letters requesting that they fix the errors or delete them because of the information XXXX found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. because according to smart credit I have an F rating to get a job and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: AZ

Complaint narrative:
This debt shows in my XXXX account. I have a screenshot showing I paid the original account ( utility company ). I have disputed this many times with XXXX including the detials and the screenshot and LJ Ross will not delete the collections account and they have updated the collections account to show that it was paid before they were assigned the account. I called the number listed in my XXXX account for this business and it was disconnected. I called the number I found online for LJ Ross and left a message asking for call back. I left a message on XXXX occasions. No return call, no letter. I am asking for this collections record to be deleted from my account. I have already submitted a complaint against XXXX.

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 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
There are XXXX unauthorized transactions totaling {$150.00} unauthorized on my cash app account Ive asked them to refund the money they refuse to. I never made these transactions and also filed a police report. 

My claim number is XXXX. 

I filed a police report as well I attached it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I tried to access to my account and is restricted since XXXX, 2023. They don't know whats going on with my account. I have been called so many times and they just ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was diagnosed with XXXX during a veteran administration claim Im 100 % XXXX due to XXXX and I found for a I filed for them to just be erased. I dont honestly dont know the terminology nor do I care all I know is that that is that is something offered to somebody in my situation, and I was trying to take advantage of it. I submitted the proper paperwork during that time, not sure what they were doing and how they handle my information or anybody elses information. All I know is that during that time I submitted the information and my XXXX account came from XXXX XXXX  the servicer changed, and its still the same information on my profile from the old servicer and now my account says zero but the credit bureaus all three major credit bureaus refuses to put my balance as zero they have they know that the balance is zero, but they will not put it there after investigating it talking to him and telling me yeah youre right but months later, theyre still showing as if I have {$50000.00} in student loans but when I log into my account theyre zero at one point it was an error with XXXX. It seems to be corrected now so I feel like now Im being a I dont know thats incorrect information being placed on my credit report because I dont have any student loans anymore that are government affiliated, they waived them and I do not have them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX did not deliver an online order on XXXX. 
XXXX promised to refund {$100.00} on XXXX. 
After a few iterations of communications with XXXX, I filed a dispute with Comenity Bank on XXXX. 
Comenity Bank closed or ignored this dispute on XXXX with incorrect information, i.e. " We credited $ {$71.00} to your account on XX/XX/2023 '' while there was not such credit on my bank statement... 

I disagree with Comenity Bank on XXXX that " We credited $ {$71.00} to your account on XX/XX/2023 '' as it is very obvious on the bank statement. I am also disappointed with Comenity Bank that it ignored this dispute for a couple of months without any refunds by now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: IL

Complaint narrative:
On XX/XX/XXXX I sent Edfinancial a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX Edfinancial reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX Edfinancial reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new 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 non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A request was made to Resurgent Receivables LLC for Validation of the Debt which the alleged is owed to them and the purchasing agreement. We also have requested evidence of indebtedness via the original instrument of indebtedness and a signed agreement to pay the debt which they allege I owe. Resurgent Receivables LLC has been instructed to cease and desist if they are unable to provide evidence and not to sell, assign, transfer or convey any of my information as I do not consent. Due to data breaches, identity theft and identity fraud, I have taken extra steps to protect my data. Resurgent Receivables LLC has ignored my Notice of Identity Theft, Notice of 15 U.S.C 1692g ( b ) and are attempting in bad faith to collect a debt which is in fact not owed to them based on their " belief '' without sufficient evidence to do so. I have received an unsigned letter from Resurgent Receivables LLC without the acknowledgement of an agent acting on behalf of Resurgent Receivables LLC which is a violation of 15 U.S.C 1692j false and deceptive practices. 

This is Submitted in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

Account 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : the balance being reproduced as Incorrect in payment history After doing so please provide me with an updated credit report reflecting the changes. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
i have a mortgage with pennymac and i was having a hard time paying my mortgage ( my job didnt pay due to covid hardships ) and i applied for help. 
they put me on a short forbiddance plan and i was told it would not affect my credit score. 
and now my score is like XXXX with XXXX  days late on XX/XX/XXXX. 
i called pennymac and they said that what i was told is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiries not authorize from Equifax. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A second hard inquiry occur without my authorization from XXXX BANK XXXX XXXX credit report. 

XXXX BANK pulled a second hard inquiry on XX/XX/XXXX. I open a business account on XX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my XXXX. I have contacted several times to XXXX BANK to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I made my payment before my due date, I got a letter a few days later from NelNet that my payment was returned. I contacted my bank and they told me that NelNet never even attempted to charge my account. I called NelNet and asked them why my payment was returned and they can't even tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
During the pandemic of 2020, I was receiving my XXXX funds on the u s bank reliacard, with no issues for months. Then upon the emergency relief aid from the XXXX came more relief funds, as The crisis became a longer shut down. Well outta of nowhere I was blindsided by the last XXXX to XXXX weekly XXXX deposits being frozen by USBANK. For months upon months I offered to ID VERIFY, send info, or fax anything .... they went of no assistance and they were unreachable during the pandemic for the most part. They always redirect me back to the XXXX  office which redirected me back to them because they were the ones doing the illegal activities. 

I was left in great distress because if this and face painful hardships because of them, that still leaves me feeling victimized, enraged, and extorted. 

I would like every single dollars of my hard earned tax dollars Unfrozen and claimed to me via a direct deposit or check. 

Not certain, but I'm surely owed about {$1200.00} to {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer XXXX have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to equifax in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

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