vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 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: Self Financial Inc.
State: MD

Complaint narrative:
Self Financial/LEAD XXXX This account was a secured loan paid in full. The company was sold and I disputed this account being on my credit report showing I still have a balance and late payments of XXXX XXXX and XXXX which are inaccurate on my credit report. This account is closed and under the FCRA I requested that this be removed from my credit report. The status changed to paid/past due. This account should not be reporting on my credit report as current with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
TRANSUNION inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - & XXXX XXXX XXXX : XXXX  XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-10 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: TX

Complaint narrative:
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates stop the infringing on my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both Transunion and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.

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 2022-06-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Recording Act, XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.

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 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the Military Star credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX 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 2022-06-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a call from a man who was well-spoken and professional sounding asking me to be available within the hour to deliver some legal documents that need my signature. I asked what they were concerning, but he said he was just the courier. I asked who requested the delivery and he gave me a phone number to call - XXXX and this is the tracking number for the documents : XXXX. 
I called and was told that Providian, on behalf of Chase, is taking me to court to recover a bad debt of about {$2500.00} and if I paid by phone, I could settle for {$.00} on the dollar. I told her I didn't have any outstanding debts and said she had the wrong person. She read back my full name, my address and the last four digits of my social. I asked where she got that info and she said that it was listed in the legal papers. I knew this was a scam because in 1999 I paid off and cut up all of my credit cards and I didn't live where I am 20 years ago. I have had no credit for more than 20 years. I never had a Chase or Providian card. I told her to tell Chase/Providian to came on ahead and sue me. I am concerned for all the people they call that actually do have those XXXX. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
On XXXX XXXX I received A letter from LexisNexis advising me that the Security Freeze on my Consumer file I requested was in place. Consumer # XXXX Case # XXXX. So today XXXX XXXX I was highly disappointed to received a letter from XXXX XXXX advising me that my application was denied Due to Information that they had acquired form LexisNexus even though I had a Security Freeze in place. Lexis Nexis has violated my federally Protected Rights under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) also 15 USC 1681 ( b ) 15 USC 1681 Section 604 states A Consumer Agency can not and shall not furnish A Account without my writtem Instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC BANK REFUSES TO HELP COLLECT A XXXX DEBT THAT A FRAUD CAR SALE HAS CAUSED ME A CONTIUED LACK OF MONEY I CALLED 4 TIMES ON XX/XX/10 AND WAS EITHER HUNG UP ON OR TRANSFER DROPPED AFTER 45 MINUTES AND BANKERS NOT ONCE TRIED TO CONTACT ME BACK,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was misled by the university XXXX XXXX XXXX XXXX XXXX XXXX when they led me to believe that I would be able to earn a livable income given the amount of debt I was taking on. I graduated from XXXX XXXX XXXX XXXX with {$130000.00} in student loan debt. As of today, I have {$130000.00} in student loan debt - nearly 20 years later, despite making reasonable regular payments. My loans were shifted to numerous services, mostly recently Navient. I spoke repeatedly with Navient about reducing my monthly payment of {$950.00} ( XXXX my monthly rent ) only to be told there were no other options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Was sent an text message from Chase Bank. At least that what i thought. Which this has happened in the past. So didnt think anything of it. Saying there were transactions on my account. XXXX transactions. Please respond if this is you right not. When i responded no. Got any text saying that someone from the bank would be contacting me about this. Gave this person none of my account information. They just told me what i had to do in the app to dispute this charge. 
Spoke to someone and they advised me on how to dispute the charge. And the money would be refunded to my account on the next business day. When i realized that it didnt happened. I contacted chase the next day about it. And gave full details as to what took place. And money was given back to me. Almost XXXX full weeks later. The claim was reversed and the bank took the money back. Called to see why. I was told its because of the banks policy that they do not support scams. 
So i spoke with supervisor and gave full details of story once again. Even the email address that was given to me to dispute the XXXX transaction. Because i wrote it down just in case something else would take place.and was told they would do there best to get me my money back. Because clearly this was a scam and not a true transaction. Was told i would hear from someone within 10 business days. I had to call back 2 weeks later to see why i didnt receive a call. They told me the claim was still pending and being processed. Called back a week and a half later. Now the claim has been closed. They cant do anything about it. I have to take matters into my own hands out side of chase. If i would want something to be done. Was never called or emailed or anything about my claim being closed. And not being able to get my money back. 
But 2 weeks after being scammed i see it on the news and just 2 days ago i get a email informing use as chase customers. What to look out for when it comes to scams. So i guess the whole world had to lose out on there money beefier it would go public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : 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 2022-06-10 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: TX

Complaint narrative:
I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
CFPB Write up n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}

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 2022-06-10 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: MI

Complaint narrative:
Hello, This is in response to complaint XXXX against Equifax who is currently reporting an inquiry for XXXX XXXX on my credit report which is not accurate. Please see the attached letter from XXXX XXXX confirming that it is not accurate and please have the inquiry removed from my credit immediately. Equifax should also do a better job of investigating and protecting consumers. I am certain if they actually contacted XXXX XXXX and followed the appropriate channels they would be aware that this is fraudulent. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I paid off my auto loan payment on XX/XX/XXXX. I requested a loan payoff online on Mercedes Benz Financial Services ( mbfs.com ) and payed the entire amount indicated. The website said the title would be sent out. I waited patiently for the title to be mailed and followed up the week of XX/XX/XXXX after not having received it. I called XXXX XXXX and they said that they would expedite it. I received a call today XX/XX/XXXX that there was a misallocation of funds to my auto account in XXXX of XXXX. I asked the representative why was I not made aware of this in XXXX of XXXX, particularly in writing. She claimed that the customer just recently called about it. How coincidental that once I pay off my vehicle, I am now encountering an issue with my account. I understand that mistakes can be made because we are human, but to not notify me in a timely fashion. This does not add up for me. I am not seeing any data that shows a misallocation of funds in XXXX. I see 2 reallocation line items in XX/XX/XXXX that cancelled out each other and another in XX/XX/XXXX but is not cancelled out. I feel that this is another XXXX XXXX move and that I am likely not the only one experiencing this and Mercedes Benz Financial Service needs to be held to a higher standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: GA

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 : 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 explanation