vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/10 i got a text message from Central Portfolio Inc. attempting to collect a debt. They are stating that i owe $ XXXX. I do not recall ever owing this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is a complaint about XXXX & XXXX 's XXXX credit card through Comenity Bank. 

I paid the card off in full XX/XX/XXXX and went through the instructions on the site to close the account. You send them a message instructing them to close the account. I have records of all my messages. 

I received no response so did the same again XX/XX/XXXX. 

I then called them and was told my account was closed. 

Then on XX/XX/XXXX I received a notification of a {$6.00} fee so I messaged saying my account had been closed so I wouldn't be paying a {$6.00} fee please correct your mistake and close my account like you'd said you would XX/XX/XXXX. 

Then this week my credit score dropped XXXX because they in fact had not closed my account and had been charging these {$6.00} late fees on a {$2.00} interest fee that had not been disclosed to me. I called them up just now and paid the {$2.00} interest fee and have been told the other fees are being waived and my account closed. 

I don't know whether to trust that, but also how do I get compensated for my credit score unfairly dropping? It feels intentional that they just don't close your account and let the fees keep piling up. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
the date son this account are not correct. This account balance does is no accurate. The 2 month deposit was not deducted from the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am XXXX XXXX a senior Recovery Agent for XXXX, a XXXX XXXX. I have submitted to Equifax appropriate documentation ( see attached to this complain ) to report identity theft for a consumer and requested that they place an extended 7 year fraud alert for the victim, remove certain fraudulent items from the credit file in question, and provide an update credit report to verify the actions were taken. All of these requests are within my scope of authority and all actions requested are within the scope of response required under FCRA when identity theft is reported to the credit bureau. To date Equifax has failed to provide a response of any kind to these requests. The requests have been submitted on 2 separate occasions with appropriate time allowed between requests and this complaint filing to allow the credit bureau to respond. This represents a willful violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MN

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2023-05-11 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: GA

Complaint narrative:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2023-05-11 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Affirm INC Account ( s ) # XXXX, XXXX, 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. 

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KY

Complaint narrative:
After a great deal of effort and time, I opened a new accout with US Bank on XX/XX/XXXX. My new account met requirements, as explained by the banker in-person, to receive a {$600.00} signing bonus : deposit {$6000.00} by wire transfer within 60 days, done on XX/XX/XXXX, and the bonus would be paid after 60 days. I followed up on their XXXX tel # on XX/XX/XXXX. They confirmed I met the requirements and would settle in XXXX days. Nothing. I called on XX/XX/XXXX. They told me I would recive the bonus by the end of XXXX XXXX. Nothing. I called on XX/XX/XXXX, they needed another 30 days to sort it out. Frustrated, I made an in-person appt with the banker who opened the account. NO bonus because I am not employed, I am retired and one of the wire transfers is from my trading account. The banker was as surprised as me. I thought cash was cash. What possible business reason for this fine print? I have not had this experience with other banks. I wasted at least {$600.00} of their time! No wonder they were down-graded. Closing account asap.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
t is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-05-11 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: SC

Complaint narrative:
On XX/XX/XXXX, I went to Experian and received my credit report. On this credit report it is only showing XXXX account that's opened. 

On XX/XX/XXXX, I went to XXXX and received the XXXX XXXX report that list all accounts and shows what's being reported to each credit bureau. They only showed XXXX account being opened. 

On XX/XX/XXXX, I reached out to XXXX to inquire about why all of the Experian accounts weren't being opened. Example : my husband and I have a joint mortgage account and the mortgage information is seen under all three credit bureaus, but for me, it's only showing up on XXXX and XXXX. Another example : I have a credit card and I have my husband as an authorized user, his card is showing up under all three credit bureaus, but it only shows up on mine under XXXX and XXXX. 

On XX/XX/XXXX, I went to Experian and it's now showing XXXX open accounts and XXXX closed accounts. All of the opened accounts have been opened over 12 months and nothing new closed within the past XXXX months. 

I received a response from XXXX on XX/XX/XXXX and was told I had to contact Experian because they pull the information from Experian. I called XXXX and explained what I wrote above. I spoke to XXXX different people, and they all stated that yes, I have XXXX open accounts and XXXX accounts, but this doesn't fix the issue. 

On XX/XX/XXXX via XXXX, the XXXX  Score XXXX was a XXXX. On XX/XX/XXXX, when I went to the Experian website, the XXXX  Score XXXX shows me at a XXXX. That's a XXXX difference. 

As a consumer, I know the importance of having accurate information on my credit report. The less accounts reported, the lower the XXXX  Score, so for XXXX  to only show one open account for Experian, it made me a little upset. I'm not in the market to finance anything, but if it's happening to me, how many other people is it happening to? 

I don't know where the issue lies. Is it with XXXX  or Experian?

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I sent a check to the property management company XXXX XXXX XXXX Virginia XXXX XXXX, responsible for processing homeowners fees in XXXX of XXXX. The check cleared my account on XX/XX/XXXX for {$160.00} when my account had a balance of {$640.00}. The company stated on XX/XX/XXXX the check was returned for non-sufficient funds. My account had a balance of {$1400.00} on that date. I was not notified of the issue until XX/XX/XXXX when the company threatened to put a lien on my property. I had moved and the property management company claimed they did not have an updated address for me so they sent all notices to my previous address. I contacted the company several times in XXXX notifying them I did not have NSF, I shared with them the cleared check to show the funds were removed from my account. They stated their bank, XXXX XXXX XXXX, said I had NSF. 

The XXXX XXXX XXXX Virginia XXXX XXXX provided a statement that clearly shows 2 payments from the same check on my account for XX/XX/XXXX, a charge of {$30.00} for NSF and 2 payment reversals. They sent a letter stating their lockbox file was posted twice on my account in error and that the 2 payments did not happen. They are stating that they did not try to cash the check twice as shown on the statement. However, the check was paid by my bank therefore one of those payments was completed. They claimed they received no funds from the check but my bank, XXXX XXXX Bank, has verified the check was paid to the payee. XXXX XXXX XXXX XXXX Virginia XXXX XXXX is fraudulently saying I still owe the funds because CIT Group XXXX XXXX is falsely saying I had NSF with a balance well over {$160.00}. 

I believe XXXX XXXX XXXX Virginia XXXX XXXX has erroneously reversed a legitimate payment for my account due to their lockbox attempting to cash a check twice. They are trying to fraudulently receive additional funds from me that they have already received in XX/XX/XXXX. I have sent XXXX XXXX XXXX Virginia all the documentation that shows my account had sufficient funds for the entire month of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Date placed : XX/XX/2020 Amount : {$1200.00} Actions taken : Dispute was filled and the XXXX XXXX XXXX collection still shows on my credit report. Information still shows inaccurate collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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:
I have checked over my Credit Report and Noticed some Incorrect information on it. 

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 in the amount of {$870.00}, 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. 

these are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was originally steered to a private student loan instead of applying for a federal student loan. There was no reason that I should of been forced to apply for this personal loan when I was 100 % eligible for a federal loan. This was very shady of both the school and navient. Per the multi state lawsuit, this was found to be illegal as the schools were motives by the financial kickbacks of then XXXX XXXX. I have now been stuck paying on this since 2007. 16 years and the loan has not decreased in balance. I am being penalized because I was current on the loans, where others have had thier loans discharge under the multistate lawsuit. Now that the interest rates are increasing, so too is the rate on the loan. Due to predatory leaning practices, I will be paying a large sum of money forever. Navient has more than made up for the loan over the last 16 years that i have made payments. Since this was for a loan for a school that has closed, no one will refinance it. I am stuck in this loan and due to predatory lending practices, paying on this loan forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX  - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXXXXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.

Company response to consumer: Closed with explanation