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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : The XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-10 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-10 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: MO

Complaint narrative:
This is infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the Experian and XXXX Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my Experian Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

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 explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I gave the company a check as a form of payment and the lady sent my check in before my direct deposit was put in my account and the credit union I bank returned it back to the company and now the manager at the loan company talking about everything is coming due all at once instead of putting it at the end of the installment payment because this is the first time my payment was returned because all my other payments was paid she is being difficult to work with on this account that I got approved with XXXX XXXX and tower loan is the finance company for them I only have XXXX payments left to pay but tower loan is being hard to negotiate with me please help me with them.

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

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}.

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 2022-10-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX  to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
re : The PenFed XXXX Visa Card offered by the PenFed Credit Union In XX/XX/2022, I received a notice from PenFed Credit Union of my pre-approved offer for a PenFed XXXX Visa Card. I followed the procedures in the offer letter to accept the pre-approved offer. I received the card some time in XXXX. It is now XX/XX/XXXX and after multiple attempts I have been unable to access my account via the application or online through the website. On or about XX/XX/XXXX I spoke to a PenFed representative regarding my account and discovered that my account had been 'blocked ' by the PenFed 'fraud ' department. I have never been able to access my account online nor have I received a statement so that I might be able to review transactions to verify if there are any mistakes on my account. I believe this to be a breach of the Fair Credit Billing Act and a breach of the Cardholder Agreement. Further, I have been prevented from speaking with a Representative in the Financial Security Department to discuss the reasons for my account being blocked.

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 2022-10-10 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: FL

Complaint narrative:
XXXX XXXX for XXXX XXXX Bank for {$750.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by 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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2022-10-10 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CBC Companies, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I was denied an apartment due to an eviction. I was denied again XX/XX/XXXX for the same reasons. My XXXX XXXX report has no evictions and the only eviction on my credit report was removed XX/XX/XXXX. I have paid a total of XXXX in application fees just to be denied through AM rentXXXX

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

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 that 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 2022-10-10 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: MO

Complaint narrative:
This is infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the XXXX and Equifax Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my XXXX Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I tried to pay the fees the bank charged me and I did not have access online and they gave me the run around at the branch. I called and visited the branch and I also asked the banking center manager to give me a call and he never did. my account got sent to collections, I paid the balance ad n I was sent to XXXX and reported as account abuse. I tried to explained what happened and they did not want to listen I was treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX  XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.

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

Complaint narrative:
I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.

Company response to consumer: Closed with explanation