vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and XXXX, being placed on hold, then disconnected.

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 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: GA

Complaint narrative:
I was welcomed to use a small denomination on a Self credit card As I was XXXX for a long time I called the customed service line while in the XXXX to arrange a payment The representives I talked to refused to assist in effort to submit payment and refused to acknowledge that as I formerly had mobile App access and lost everyhing through local exploitation and refusal of law enforcement to comply with law that arrangement on personal account on App had already account reference for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead - XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.

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 2022-04-15 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: EQUIFAX, INC.
State: CO

Complaint narrative:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead XXXX XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CT

Complaint narrative:
Cedars Business Services is attempting to collect on a fraudulent XXXX debt. 
XXXX placed a duplicate order ( XXXX ) for 3 items I purchased a day prior. The items I actually did order and receive are as follows. 

Order # 's, dollar amounts, purchased items, and delivery dates are as follows. 
XXXX {$910.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Delivered XX/XX/XXXX XXXX {$120.00} XXXX XXXX Delivered XX/XX/XXXX XXXX {$110.00} XXXX XXXX $ XXXX XXXX Delivered XX/XX/XXXX I have the following items shown paid by XXXX XXXX and owe nothing. Someone at XXXX  duplicated the order and said it was delivered and not paid. Why XXXX year later am I receiving a collection letter dated XX/XX/XXXX. This was clearly an error on XXXX. I wish I was able to email/speak with someone in the finance department XXXX I hope you can at least forward our communication with them to clear up the matter. XXXX finance dpt will not speak to consumers. Everything is left up to me to dispute with the collection agency. I've attached photos of the XXXX XXXXXXXX  XXXX transaction history for the items I purchased and the collection letter. I've also attached a screenshot of an email from a rep at wayfair. They did not admit they made an error but they did acknowledge one of the duplicated items was lost in transit. When I sent this to the collection agency they would not lower the charges. Although I did not place this duplicated order I was willing to pay the lesser amount of {$110.00} to make it go away. Still the agency would not help resolve the matter or work with me. This has been very frustrating to me as my credit is in very good standing. 

Again I'd just want to thank you so much for your assistance in trying to resolve this matter. 

Sincerely, 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 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 # XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX XXXX XXXX we switched banks from XXXX XXXX  to XXXX XXXX. Target card was set on autopay on XXXX XXXX and when the payment was processed it did not go through they contacted us and we updated it in their system and setup autopay coming out of XXXX. 

4 months later I received an alert from my credit monitoring system saying target had submitted a 30 day late to the bureau. I contacted Target and paid the amount in full and asked why autopay was not setup and they were going to fix it and submit for review to remove from bureau. 

30 days later we have no resolution. They are saying that they send our statements that show when a payment is due which I understand but they never attempted via email, phone or mail to let me know that any payment was past due. I have had that account for years and I had perfect credit I always pay my bills and have never once had a late payment with any provider. 

They said that they should send out notification the day after a payment is not posted on the due date to let you know that a payment is due and this NEVER happened. From XXXX on we have never received notification of late payment and are disputing their practices. They have been rude and hung up on us multiple times during the review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
First National Bank of Omaha has illegally pulled my credit. They stated they receive on a monthly basis an update of my consumer file. I have NEVER consented to such thing. 
First National Bank of Omaha pulled my credit without my authorization. And made an adverse action against me. I did not give XXXX nor any of its agent 's permission to furnish a copy of my credit file on XX/XX/2022. XXXX has used the information illegally obtained on XX/XX/2022, and decreased my revolving credit limit. Not only was this credit pull unauthorized, but it was a violation several FRCA laws. You've stated the reporting agency played no part in our decision, yet you did a soft pull on my credit report and used to information provided as a reason to decrease my credit limit. Your policies do not override the law. You MUST get written or oral permission from the consumer who's information who you wish to obtain before you pull a credit report. Also said collections account being reported is a result of identity theft. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S. Code 1681B ( a ) ( 2 ) Since the letter you sent me dated March 19, 2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Attached to this initial attempt to rectify, is an proof of violation and invoice to collect actual damages for said violations.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Continuous calls about loan forgiveness and economic impact plans. 

I do not have any issues repaying and am being targeted by scammers, as are many other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: OH

Complaint narrative:
XXXX XXXX EXPERIAN ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
This account was opened fraudulently by somebody without my knowledge or consent. The name of the institution is XXXX and it was opened on or around XX/XX/2021 in the fraudulent amount of {$11000.00}. I have made many attempts in resolving this issue with both the credit agency and the financial institution. XXXX has not responded AT ALL. The credit bureaus are asking me to contact the bank. I have filed a complaint with the FTC multiple times. Experian is refusing to remove this account. I have outstanding credit and its completely unfair that somebody ruined my entire financial structure. Experian should be held responsible for allowing thieves and fraudsters to cause damage to this extent. They need to protect the citizens not fight against them.

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 2022-04-15 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: OH

Complaint narrative:
TRANSUNION XXXX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: OH

Complaint narrative:
XXXX EQUIFAX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX sent me a text that my card had been used in the middle of the night. I woke up and contacted them to let them know it was not me. I asked them to close my card. I paid off the XXXX dollars I had on the card. However a year later they sent me an email saying I had a balance. I called and talked to a man who said my card had not been closed but that he did see I requested it to be. He said it would be resolved however its been 23 months and they are not going to fix it. Prior to this fraud and request to close my account I paid my balance off monthly which shows I would not just let it go unpaid if it were me. They did not close an account after I reported fraud and requested it be closed.

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