vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX  about the problem. I sent proof over and the bureaus are still reporting the accounts. XXXX and XXXX says the account is in good standing and Trans union says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on Trans union need to be removed.

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 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; COMENITYCBXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: UT

Complaint narrative:
US Dept of Ed Borrower Defense Dept. has finally been held accountable for their actions. The judge issued their final decision and the email attached will express that decision. I highlighted the area that they need to pay close attention to. I called Borrower Defense this XXXX in reference to this email sent on XX/XX/XXXX, to remind them they need to make FedLoan Servicing aware that this is now ordered per the court to be removed from my credit. It does not matter that the servicing contract was canceled. They show this on my credit report still and as of XX/XX/XXXX when I ran my credit. It's now time to do their part. Borrower Defense said that they would notate my account. I don't trust them because when I filed my Borrower Defense app in XXXX, they ignored it, sat on it, did nothing and lied to me every time I called. Hence the need for the law suit. Well Sweet vs Cardona was settled in favor of the Plaintiff and it's time to start doing what the judge said! No more stone walling, it's over! Let 's clear the slate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
MONTEREY COLLECTION SV Is attempting to collect a debt. for a Timeshare owned by a company or someone of similar name. They have put it on my credit report and are refusing to remove the collection and are also refusing to provide proof that the account is valid.

We have attempted to dispute the collections through the Credit Bureaus but it has not been removed, the credit bureaus have explained to me that they are not required to ask for proof that the accounts are valid, that the creditor themselves has to clear the verification to themselves.

I have also sent a request for validation to Monterey via certified mail and have received nothing in return at all.

MONTEREY COLLECTION SV is utilizing my credit to attempt to intimidate me into paying for an account that is not mine at all and refuses to show the deed for the account because it shows a different owner. 
I will attach the only deed in XXXX XXXX FL that I can find that has a name similar to mine for the Timeshare they say I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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
Consumer complaint received 2023-03-01 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'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX TRANSUNION both reporting chargeoff/collection and XXXX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX XXXX AND TRANSUION all reporting different information.

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 2023-03-01 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'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX XXXX both reporting chargeoff/collection and EQUIFAX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX EQUIFAX AND XXXX all reporting different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Consumers have the right to opt out of any reporting per 15 USC 6802-6805 16 CFR 313. There has been a violation of consumers privacy ( 15 USC 1681 ( b ) ). This issue is with Early Warning as they have access to bank transactions. There would need to be proof that the banks has given out private information, person spoken to or written communications as well as any documents/ application wet ink signatures of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company sent me a statement saying that I owed a debt to them and I have not heard of this company until receiving this notice. They have received a cease and desist and are damaging my reputation by putting this negative information on my consumer report after receiving such notice. This company has also defaulted in responding to my debt validation requests and affidavit of truth. I have also sent them highlighted violations they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I attempted to reset my multi factor authentication profile today XX/XX/2023. In doing so, I was locked out of my account for no reason. I was asked to submit a picture of my ID, a selfie, and a picture of the left and right sides of my face. I did this multiple times and it kept getting rejected. I submitted a ticket with Robinhood and they refused to help any other way, stating I took the picture wrong ( I did not ). I resubmitted it 3 times while on the phone and they said I still submitted it wrong ( I didnt ). I asked for a manager and they told me to hold. I waited 20 minutes to be told the manager would email me to setup a call. I said no, stating that every time I was previously told this by Robinhood, I never received an email back after I replied. I said I would hold for a manager on the phone. I waited another 30 minutes and was told the same thing. I replied the same thing as above, I would hold for one. I wait another 10 minutes and then they tell me they cant do anything without me replying to an email to setup a time. Even after the rep hung up on me, even if I did want to do the email method, they did not send me anything. So I now can not access my checking or brokerage account through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am an XXXX XXXX service member and I should be receiving 6 % interest rate from American Express under the Servicemembers Civil Relief Act ( SCRA ). I send them my XXXX XXXX military order in XXXX of this year and they still refusing to reduce my interest rate to 6 % although the law says all debt prior to XXXX XXXX. Please look into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a mortgage through a lender after significant research. Yesterday alone, my husband and I received 144 unsolicited cold calls from various mortgage lenders as a result of Equifax and/or other credit agencies selling our personal information. I can not believe this is legal and that these " Big 3 '' who have a monopoly on the entire industry make billions of dollars a year by selling private information when consumers have no choice but to have their credit report pulled from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: LEXISNEXIS
State: NC

Complaint narrative:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Innovate Managed Holdings, LLC
State: MI

Complaint narrative:
I have been in touch via phone and email with Innovate Loan Servicing regarding reporting my auto loan to the credit bureau. They told me they were going to do it when I refinanced in XXXX of XXXX. Then they told me that they got a new computer system during the summer around XXXX. Then again in XXXX when I reached out they told me they were still trying to get all of their records up to date and should have it done now. I reached out in XXXX. They ignored me. I then again XXXX of XXXX and they said theyd have it already sent. Its been over 30 days and there is still nothing on my credit report. I cant even refinance the loan because no one will accept me since my loan is not on my credit report. 

I originally was making phone calls to them. When I made a call to them in the summer asking for an update on the credit bureau, their employee told me that they didnt have my call previously and would try to look into it. I dont believe that they are correctly documenting calls. I have moved to emails and its very apparent I dont often get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
XX/XX/23 - Received a phone call from XXXX asking to speak with XXXX XXXX. Informed person that they have the wrong number and that I've received multiple phone calls in the pass from this number asking to speak with the same person. I've explained I am not XXXX XXXX and that the number they have on file is incorrect. In addition, I have asked repeatedly to remove my number because this is also my work number.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX ( approximately ) i called AMEX to report my card was misplaced and i needed a new card. just a little background i am a senior banker for XXXX, i am an expert on credit usage as well as credit accounts. I informed AMEX that i was going through a rough patch. was in bad car accident on the XXXXXXXX XXXX XXXXXXXX, couldn't work, Rental car was stolen on the XXXXXXXX XXXX XXXXXXXX. so i called to vent to AMEX as well as to fix the issue. i have never had a late payment with AMEX and have always been a valued customer. when my account was closed i called AMEX to understand what was going on, only to find out they had closed my account which caused a bill to be sent to collections and my credit to drop over XXXX points. i pleaded with them and tried to reason with them. i requested they review the call and reinstate my account because it was their error. they refused knowing how i used their services and was a valued customer to reinstate my account. since closing my account ive been denied credit and have fallen low with my credit. AMEX knew that i was a banker and that im quite aware of credit but still refused to acknowledge my frustration. loosing a XXXX $ line of credit has affected me in ways they have no idea. they told me the term close a card means to close the account completely. however, if they would have listened to the call i stressed several times that it was the card not the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2023, a complaint was filed with CFPB, with complaint ID XXXX. In this complaint, a Citi Accelerate High Yield Savings Account was opened under the " Leveled Bonus Offer '' promotion, where {$450.00} was supposed to be awarded for depositing $ XXXX in funds, over a defined period of time. 

Citi responded on XX/XX/2023 saying that I was not " targeted '' for this promotion, and so am not entitled to the {$450.00} bonus. I now attach to this complaint, the screen captures I obtained from using the Citi App on my mobile phone, after logging in ( I have a Citi Credit Card - that is why I had the app and was able to log in ), that show I was solicited to apply to this offer. I also attached the confirmation email I received from the offer, and the detailed terms and conditions. 

To my knowledge I have fulfilled all of the requirements of the offer and was " targeted ''. I look forward to getting a positive resolution to this situation.

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 monetary relief
Consumer complaint received 2023-03-01 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: LA

Complaint narrative:
I have NO knowledge of this account, I have disputed this several times with no changes! I have NEVER signed a contract with this company, also this is being reported as an OPEN account but, also states it was closed on XX/XX/2023. 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX amount they claim I owe {$1800.00}, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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