vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I recently noticed that there is a big drop on my credit score, I find there is a debt collection under my name, the collector is called SOUTHWEST CREDIT SYSTEM, but I never received any letter or information about this debt, I dont know where is from and how to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank This account continues to appear on my XXXX Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but XXXX and Comenity Bank have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXXXXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.

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 2022-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Was getting money from XXXX, but got scamed!! Figured safe thru bank. 
Was told to send extra because I didnt have a business account., got smart finally told him no he was scamming me, but he already took money. Called bank ASAP, had to wait for it to post but they still wouldnt give it back, told me to call Zelle but to no avail, called 4 days now, drops call, been on for 2 hours at a time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TX

Complaint narrative:
Experian please please read this. And please copy to your superior. Hopefully you and your boss are Americans who refuse to be whores to large unprofessional companies. XXXX XXXX XXXX XXXX ( XXXX ) is copied but does not read or acknowledge if you pass this to them. For 5 years I have requested a copy of the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX. XXXX refuses to even read but lists everything as duplicate. They did send the attached letter stating the inquiry by XXXX would be removed. This is laughable because inquiries automatically drop off after 2 years, XXXX  is just playing funny games like children. But after 5 years they did state that credit was pulled on XXXX. This was one day before they had approval. See 2 attached applications / permissible permissions ; one dated and the other dated. Both are different with information but one is undated. One is dated XXXX, one day after my credit was pulled. EXPERIAN, PLEASE RESEARCH YOURSELF AS KEEPER OF MY INFORMATION AND DO NOT PASS TO XXXX TO DEFLECT LIABILITY.

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 2022-08-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2022-08-06 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: Paypal Holdings, Inc
State: NM

Complaint narrative:
This is the second time I have an issue with PayPal not following up on a fraudulent vendor. This one is new and just starting to scam people so PayPal will have hundreds of claims in the next few weeks. There is a website XXXX that is advertising exceptional pricing in their catalog of items. I was not aware of it until after my transaction that came after i XXXX the XXXX XXXX I was trying to purchase at a savings of nearly 40 %. I placed an item on hold in the cart as I was researching and comparing models. I received a reminder from XXXX reminding me the special offer was about to expire so I opened the link to pay and this took me directly to PayPal. At this time, you think you are paying this company but it actually processes the payment as a transfer, only you do not see this until after you complete the transaction. Then you see that the money went to a XXXX XXXX and an email of XXXX Then, Paypal responds the transaction is not covered by their Purchase Protection and you are basically " XXXX  '' ... PLEASE HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
XXXX XXXX This account continues to appear on my TransUnion Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but TransUnion and XXXX XXXX  have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.

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 2022-08-06 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On or about XX/XX/XXXX, one of my business partners tried to use her office credit card, but the charge was declined. I reviewed our credit card transactions online and saw that there were three transactions that I did not recognize : XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$960.00} I called FNBO and immediately started a fraud investigation. I also reported that my credit card was lost or stolen. The representative told me that they would put these items as " disputed. '' Today, I received a letter from FNBO fraud investigation department stating that they were denying my claim because my " chip-enabled credit card was used at a chip-capable terminal ... and that my credit card had not been reported lost or stolen. '' First, I did report my card lost or stolen as soon as I learned of the fraudulent charges. Next, if someone stole my card and put the credit card in the chip-capable terminal, then of course that is how the sale was approved. The problem is it was not me making those purchases. Where is my signature that I charged these things? Where is any pin authentication? If the clerk does not check and ID, and still lets the person leave with the merchandise, then whose fault is that. I did not make these purchases and I should not be liable for 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 monetary relief
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: SC

Complaint narrative:
in XX/XX/2022 a company called XXXX XXXX XXXX XXXX XXXX XXXX, I called them to have new siding be put on my home we signed contract in XXXX finance was and is being financed with Greensky finance company i have been billed with greensky finance that i was told to pay up front {$4000.00} now the the XXXX XXXXt company kept telling me next then next week and now again next week i do not think its right for a finance company to take money when work has not been started you also need to look into XXXX XXXX XXXX XXXXs in Pennsylvanian they had issues of the same i was getting nervous of bill being due soon but no work has started why can a finance company can conduct business in this manner this is not acceptable in any means if a company says that because of supply chain issues then they should not be taken money up front and no finance company should not be charging finances up front services for work not started XXXX XXXX XXXX  in XXXX XXXX XXXX but also on web site mentions Pennsylvania again you need to check Pennsylvania lets just say one day this company leaves town the finance company that has taken loans up front its ok

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, STATE OF OHIO XXXX, IRS- INQURIES- XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  sc XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sc XXXX, XXXX XXXX XXXX OPENED  XX/XX/XXXX using my name at XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, DOB- XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX HOUSING AUTHORITY REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX BILL FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX FOR A MEDICAL BILL NOT MINE, SCDSS accused me of snap XXXX but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CBC Companies, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX not XXXX XXXX. I have asked Innovis to fix this misspelling of my name and they have so far not fixed it. 
PLEASE UPDATE MY NAME TO XXXX XXXX and please take any other bad names off of my report. 

There is a chargeoff/derogatory account on my Innovis Credit Report. IT is for XXXX XXXX XXXXXXXX for {$2200.00} I have been in communication with via certified letters and over the phone with all the 3 big credit bureaus to remove this account from my credit bureaus and all of them have removed it except for Innovis.

The reason they removed it is because this account is not in my name .. it is in the name of XXXX XXXX XXXX of XXXX XXXX XXXX That is TWO DIFFERENT PEOPLE.

I have sent in all my identifying documentation to Innovis so that they can see my name on my social security card, my drivers license and a utility bill to show that this account is NOT my account. 

What I asked them to do is remove this account permanently from my records and they have still failed to do so. Even XXXX XXXX recognizes that they are in error. 

I have also requested that Innovis make XXXX XXXX XXXX account ( which is my car loan account ) a " Paid As Agreed '' .... with no late payments and the 3 big credit bureaus have fixed this and put my accounts to paid as agreed except for Innovis. 

Innovis is extremely difficult to work with. 

Thank you for helping me to fix this problem. 

A security freeze has been permanently placed on my Innovis report but these items still remain to be resolved, removed and updated to a positive credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX extra points account has been enrolled in a debt management plan for 2 years. XXXX XXXX XXXX paid the payment in XXXX on XX/XX/XXXX. As of XX/XX/XXXX I was charged a late fee. I paid the account off on XX/XX/XXXX. XX/XX/XXXX I received a new statement with the last bit of interest and a late fee that should have never been assed. I call in and they tell me to call the debt management department. I call them and they tell me I'm not in a plan and I have to call the normal number. Their secure messages have not been answered and I have no way to talk to someone. I just want the late fee removed so I can pay the XXXX $ in interest and complete my obligations. I am getting no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.

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 2022-08-06 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: GA

Complaint narrative:
I sent out my disputes on XX/XX/2022. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: GA

Complaint narrative:
I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.

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 2022-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 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 any written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 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 any 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