vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Netspend Corporation
State: MD

Complaint narrative:
I received a card by mail, it was in my home a while ago. I don't apply for credit cards or use credit cards. when I tried to call the number on the back of the card it was one of the scams recording voice that wants you to speak and say " yes '' to record you saying this work. the number on the back is XXXX on the back also a circle in gold color says DEBIT. There is a number on the front of the card to activate the card XXXX XXXX and XXXX XXXX  logo. I want to make sure that no one is having my personal info or using my info to issue credit cards or making financial transactions using my name.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Sent letter to company to validate debt on XX/XX/23. company reported to credit bureau account was accurate dis regarding laws. 
I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections. 
Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting.

This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing. 
I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.

I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I disputed the account many times and keeps popping back up.. XX/XX/XXXX I disputed it.. came off XX/XX/XXXX and reopened right away the same day.. they took it off and put it right back ... ask them prove I open accoubt with them etc ... pretty much account came off and reappear.. they are bad tactics company..please remove from My report.. they moved it to put it back.. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Last month, I called experian to dispute a hard inquiry on my credit report that I did NOT make. An attempt to open a bank account under my name through XXXX XXXX! I in fact did not do such a thing and this morning, woke up to another hard inquiry regarding another attempt to request a loan via XXXX XXXX! I have not made these attempts not have I any idea where it has come from! I made a dispute and it stated remains as if its accurately been done by me and it WAS NOT! I am in fact a victim of identity theft!

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX as unverified and unauthorized activity 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
BMO bank took over XXXX recently. The account they put me in had a service fee. They did not disclose this fee or how to avoid it. I called once I saw the fee and after waiting an hour an agent was finally able to adv that he can change the statements to online and it will waive the fee. He said I wont get a fee in the future. Then I see the same fee next month. I called and she advised that I need to change my statements myself and they wont waive the new fee until that happens. I was very clear that I was lied too and it didnt matter. I asked to speak to a supervisor and she said there wasnt one.I continued to push and she put me on hold for over an hour and I had to disconnect. Mind u all of the people I have spoken from BMO are from another country and continuously give me wrong info. I submitted a survey w this information and still never got a call back. Recently I got a text that there was an attempted charge for XXXX from XXXX. I responded that no this is not authorized and I called customer service immediately. She lied to me and said that the charge was declined. She ordered me a new debit card. I was very upset because I never activated the card they tried to charge. I never used it online or at an ATM. I just saw today that the XXXX charge posted to my checking account. I called and confirmed that there was no claim that was filed when I was clear that this was an unauthorized transaction previously. This is a violation of reg e and had a financial impact due to them lieing. This is a violation of Udaap. I was very concerned that the fraudsters had my checking account because how were they allowed to use a debit card that was not activated? The bank was not able to answer this and said they filed a complaint for me. This is unacceptable and this company continues to lie to me about whats going on on my account. This is my money and how I pay my mortgage. The agents continues to tell me the fraudsters used a debit card. How was a debit card that was never activated used online or at an atm allowed to go through? This is very concerning. How are banks able to protect us if they r letting charges go through a checking account from an invalid card? This is terrifying and they should have to answer to how this happened, why I was lied to and why a claim was not filed timely.

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 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I bought this car XX/XX/XXXX it was a XXXX XXXX XXXX for XXXX I made a payment a of XXXX a month for 4 years this car engine went up XXXX time be for I called them to repossess the vechicle. this car was in good condition body wise. Its no way they are asking me to pay XXXX for the balance of the car price... they have the car and I was not behind on my payments. I asked them to pick up the car XX/XX/XXXX because I wasnt paying for another engine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MD

Complaint narrative:
My student loans are currently in deferment as I am studying part-time. I did not choose to have my loans in deferment nor donI want my loans in deferment. 

I have been unable to cancel my deferment through Nelnets online service not through the phone. 

I am accruing interest in loans I want to pay off. I have made XXXX payments which were returned to me and I have made XXXX payment where the money was not allocated to my loan balance and was not returned to me, stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.

I do not recognize XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am not satisfied with the results of their reinvestigation because It seems that they're not doing their job fairly and accurately. I have checked and compared all of the information they have entered on my files and all these credit bureaus have different results in their submitted reports. I need them to do their job fairly and impartially.

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 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My credit limit was recently decreased from {$2300.00} to {$100.00}, on my XXXX XXXX acct and from {$2400.00} to {$200.00} on my New York & Co Comenity acct due to an interest non payment oversight on my New York & Co Comenity acct. of {$8.00}. I paid off my XXXX acct back on XXXX, the full statement balance of {$400.00}. On XXXX I was assessed interest of XXXX unbeknownst to me and due on XXXX. On XXXX I was assessed a late fee of {$8.00} plus minimum interest of {$1.00}, which brought my balance to {$17.00}. Again, I was unaware my acct had a balance since I paid off the account in XXXX and never used the card since. Once I received the XXXX notice I called in on XXXX to pay balance. The representative, removed the fees & took the payment of {$10.00}. Both my accounts have been in good standing for many years, payments on time as well as the rest of my debts. To say my entire credit reporting was viewed in this decision is completely untrue and false. I have had XXXX creditors double my credit limit and XXXX increased significantly just within last month due to my excellent payment history. I have also paid off XXXX balances in full. My XXXX XXXX has increased on avg XXXX in the last month across the XXXX bureaus. 

The decision to decrease my credit limit on the XXXX referenced accounts was solely based on the late interest payment of {$8.00} on the XXXX acct because the XXXX acct has a $ XXXX credit from overpayment. This seems like a retaliation to the complaint I filed against Comenity back in XXXX, for non refund of returned merchandise. 
This is an absurd business practice & completely unethical. Apparently, this has happened to many consumers of Comenity Bank as I have read many of the same complaints online. The FDIC has also issued fines for similar practices to Comenity. The only negative impact on my credit in years is now {$8.00} of unknown interest, multiple fees from Comenity bank on interest and the dual decrease in my credit limits will also adversely impact my credit score unfairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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Company response to consumer: Closed with explanation