vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting a late payment on my credit report on XXXX of XXXX. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer. 

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.

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 2022-11-10 00:00:00
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I had purchased a XXXX listing service that did not provide what was promised. I canceled it/ the service, the same day the charge went through. 
Very upset that USAA and XXXX are not reversing this charge. 
A contract works two ways and when the seller does not honor the promised product a consumer should not be forced to pay. 
Very disappointed in XXXX and USAA. 
We have removed all our accounts for bad customer service from USAA and this one will be next, once paid off. 
Please assist, USAA spent hours on the phone with me going over the details and I have sent a lot of information. There is no way this was investigated properly, if it was then someone needs to make it right. 
Thank you. Also, the disputed transaction is with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LNVN Funding LLC RE : Validation Requested RE : Account # XXXX To whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: UT

Complaint narrative:
XXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2022-11-10 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2022-11-10 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
i called i sent a letter amex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MD

Complaint narrative:
XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Hello, I am a co-signer on an account with American Honda Finance XXXX. I am seeing late pays showing up on my credit report but have never been notified of anything being array. I would have made the payments if I knew a bill was due. I never got any calls or mail sent to me letting me know the account was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MI

Complaint narrative:
I have asked Nelnet to reimburse all payments made towards my student loan between XX/XX/XXXX and current. 
The request for reimbursement was initiated in XXXX of XXXX. 
Nelnet processed the reimbursement and credited the amount of {$2000.00} back on to my loan weeks ago. 
Nelnet continues to tell me over and over after 6 or more repeated requests and calls that the checks are " in the mail ''. 
To date I have not received credit in my bank account or any physical checks. 
I contiue to get conflicting information from Nelnet and the run around. Attached are screenshots from my bank of the 2 payments made I've asked to be reimbursed. Nelnet also deleted my entire payment history in my online account. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: PA

Complaint narrative:
My chime debit card was charged XXXX $ on XXXX which was unauthorized on XX/XX/2022. I filed a dispute with chime on XX/XX/2022, I explained that my card had been compromised and even filed a police report and submit a police report to them, Im currently XXXX XXXX XXXX and this is very stressful on me, chime has denied my claims and refuse to issue back my money. The complaint number with chime is XXXX the card used was ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has charged and attempted to collect a debt for {$440.00}. I have filed for identity theft with my attorney and this was a charge that was to be taken off the credit report. The report is closed, but not taken off. To be more specific, there are ( 2 ) charges for {$220.00} each totaling {$440.00}. Im submitting this report to have this account removed from my XXXX, XXXX, XXXX accounts.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My online access seems too changed. I tried to login online and I can't recieve my username or PW to the email on file. I have been calling EXPERIAN for 3 days and I cant get through the automated prompts. I think someone has accessed my account and changed my experian login information. My email associated to the account is XXXX. My contact is XXXX. I've tried calling and can't through to customer service this is very frustrating. There was concern so I tried accessing my credit file and now I cant access it. I have tried multiple times to send myself the username to reset my PW and the emails are not coming through. And yes I checked my junk mail they are not there. 

I need assistance accessing my account online to access my credit report!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Accepted a non-contract cell phone deal with XXXX while a XXXXXXXX XXXX 
I received too many dropped calls and returned phone to XXXX pursuant to our agreement. Again, there was no contract. 
A short time later, XXXX placed a collection on my credit report and notified me that I still owed for the phone that was not returned. I contacted XXXX and provided photographic proof that the phone was returned. XXXX then agreed to remove the collection from my credit report. Now, some ( 3 ) years later, XXXX has sold the same debt to another collection agency who has now filed a collection on my credit report for the same phone that was already settled. The new collection agency is Jefferson Capitol System.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Hello, I am a consumer and I was calling in to put money on an account with Exeter Finance on XX/XX/2022 at approximately XXXX XXXX I initially spoke with a representative named XXXX. I was calling in to put money on the account regarding my vehicle. After the initial data confirmation that is usually done by a debt collector was finished. I said i wanted money toward the account. He then began being very abrasive and started using abusive language towards me. He said that i should pay more and what I was paying was not enough. He then started to threaten me with legal recourse. After he argued with me and belittled me by saying that I needed more money. I realized that he was not going to allow me to put money on the account. I hung up the phone. I then called back and spoke to another representative and she allowed me to put money towards the account and even helped me make a plan so that I could pay the necessary amount for the account to be in good standing at the time. I tried to put in the complaint with the other representative and a supervisor was supposed to call me regarding that said complaint but no one ever called to follow up. 

With all of that being said, Exeter Finance LLC has violated 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violencXXXX or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NC

Complaint narrative:
I have been a victim of identity theft, my name, social security number and address has been used fraudulently. This information is/has not been on any of the other credit reporting agencies, only TransUnion. The company TransUnion states the FCRA does not apply to them, and they will continue to put negative things on my report and would make my life miserable by putting negative information on my credit report.

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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Professional Account Management mailed me two 'DEMAND FOR PAYMENT '' letters on XX/XX/2022 and XX/XX/2022. I do not believe this debt is accurate. I have and have had for over 1 year now a current XXXX  account which is current and when I brought this " DEMAND FOR PAYMENT '' letter that they sent me to the XXXX. XXXX customer service checked the information on the " DEMAND FOR PAYMENT '' letter and stated that I DO NOT OWE ANY MONIES ON THIS ACCOUNT NUMBER OR LICENSE PLATE.ALL FEES PAID VIA XXXX XXXX HAVE THE RECIEPT FROM XXXX TO PROVE IT. As I explained to PROFESSIONAL ACCOUNT MANAGEMENT in the certified letter # XXXX XXXX XXXX XXXX XXXX that I mailed to THEM on XX/XX/2022. Professional Account Management failed to respond with any of the requested supporting documents listed. An account number and unpaid charges of {$74.00} is NOT proof of validation of an alleged debt. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you never send it.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are attempting to collect a debt that I do NOT OWE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: RELIANCE FIRST CAPITAL LLC
State: FL

Complaint narrative:
XX/XX/2022 I had called 3 companies to get information only on equity loans or refinance home..I made clear I am not doing either one at this time only getting information. For future ideals.

I was firm do not do hard pull to one company!!! One company asked for my social security number. The other 2 didn't ask for social and sent me info I needed to process.. tge company that got my social never sent me any info and did 2 hard pull inquiries from XXXX lowering my credit score and without my consent and with me telling them do not pull hard enquiry. 
His name info XXXX XXXX Mortgage Analyst Reliance First Capital , LLC I got his info from XXXX XXXXXXXX.I disputed thru XXXX, the didn't correct tge 2 hard pulls ... I reached out to XXXX XXXX they had no info on me... I pulled XXXX  he has numerous complaints ruining peoples credits and putting their homes in foreclosure that they refinanced thru him ... lost homes, hired attys and showed paid on time. 
This guy 's company had 8 phone numbers that just goes straight to him.. 

I never gave him or anyone permission to pull hard enquiry... .I was just trying to get knowledge on how process refinance or equity works made it clear to him I am not doing anything but getting knowledge.. 
Please help. Me get these 2 hard enquiry off my credit report with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX pm, I received an email from XXXX. 

In short, it read " we were unable to approve you for a Bread Savings Account. '' The issue is, I have never applied for a savings account, or any other product at Bread Savings. 

I called XXXX, XXXX, at Bread on XXXX XXXX at XXXX am. She said they have no record of me. When I asked to verify if the above was their email address, she couldn't be bothered.

When I asked to be transferred to Account Protection or Fraud, or website security investigations she just refused.

Company response to consumer: Closed with explanation