vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I never apply to this bank or gave them permission to use my credit

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 2023-04-16 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: CT

Complaint narrative:
XXXX XXXX sent you guys a response and said to remove this inquiry from my report but transunion still has it there it should have been removed back in 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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Around XX/XX/XXXXXXXX  I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX XXXX. I attended XXXX ( merged with XXXX XXXX  in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Nelnet, Inc.
State: MD

Complaint narrative:
I have a XXXX XXXX XXXX. Firstmark sent me forms to complete. During this time, my account was in administrative forbearance. However, Firstmark XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When Firstmark was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX  XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Complaint : Comenity Bank has been incorrectly charging {$2.00} interest payments on months my card was paid in full and not used at all. They failed to notify me of my outstanding balance, charged me several late fees on that {$2.00}, and have unfairly damaged my credit score. 


History : XX/XX/XXXX -- I made a purchase for {$92.00} on my Express store card with Comenity Bank. 
XX/XX/XXXX -- I received the statement for my purchase, but misplaced and failed to pay this bill. 
XX/XX/XXXX -- I forgot to make a payment by the due date, and got a legitimate late fee. New statement balance of XXXX. 
XX/XX/XXXX -- I made a payment for my full statement balance of {$120.00} XX/XX/XXXX -- Despite paying off the account in full, I was INCORRECTLY CHARGED an additional {$2.00} of minimum interest. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -- Having not used the card at any point in this period, I was unaware of the incorrect {$2.00} fee. I was then charged {$8.00}, {$16.00}, and {$32.00} late fees, for a total bill of {$62.00}. I WAS NOT NOTIFIED by Comenity at any point of my outstanding balance or the late fees being applied, either by phone or email. 
XX/XX/XXXX -- I discovered a derogatory mark on my credit score, and traced it back to my Express store card and the surprise charges. I scheduled the payment for the full {$62.00} balance. 
XX/XX/XXXX -- On my next statement, Comenity applied another INCORRECT {$2.00} " minimum interest fee ''. 
XX/XX/XXXX -- I called to speak with a representative on the phone. The automated phone system tried to close my account before speaking with any actual human, with the {$2.00} still unpaid ( which, judging by other CFPB complaints would have led to even more late fees! ) Upon speaking with a representative, she failed to understand any of my complaints, ignored my concerns about my credit score, and claimed to reverse the {$2.00} charge. On my account on the card website, it now shows me owing another {$2.00} charge instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 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: GA

Complaint narrative:
USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal blocked my account with the amount of {$1700.00} being withheld from me. They are saying I am not who I say I am, although I have sent them proof they will not give me access to my account. They said after 180 days they would release the funds back to me but its been almost 3 years now. I have called, emailed and still nothing. Im at a loss on what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have had a consistent issue with credit reporting agencies. For one Transunion won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that Transunion will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have called the credit bureaus to remove hard inquiries on my report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: AZ

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Experian commissioner # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX. The XXXX XXXX XXXX. I will be filling form 211 treasury omb forms to audit consumer account. Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-04-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX, I was advised that I needed to take a XXXX private loan. Less than 10 months later, XX/XX/XXXX, I was again told I needed a private loan, this time the amount was XXXX, XXXX. 

XXXX loan {$10000.00} : Two problems with all of this. # 1. FASFA sent {$11000.00} in the months prior to the XXXX loan, why would I need this private loan? 
# 2. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, sent me a copy of my account history. Please note, as XXXX did, a XXXX loan never shows up for XXXX. 

XXXX XXXX {$31.00}. Several problems. # 1, in the months prior to this loan, FASFA sent {$52000.00} on my behalf. # XXXX on the accounting history document, money was returned to the lender in the amount of {$18000.00} and {$2000.00}, and XXXX. 
# XXXX. My credit report shows I defaulted on the entire loan. 
# XXXX. In XXXX, I sent my financial adviser for the college an Email questioning why I even needed any private loan. I am thinking that was when money was sent back. 

I am being sued, my credit has been ruined as well as the credit of my family, co-signers. 

I will include emails, XXXX Account history, the XXXX Loan amnts that were forgiven due to XXXX & XXXX ( XXXX XXXX. Copy of credit report. 

Thank you, 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 2023-04-16 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: Advantage Credit, Inc.
State: CT

Complaint narrative:
I did not authorize the company to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am reaching out to you in regards to a serious issue that I have been experiencing with Synchrony Bank. Despite reaching out to their customer service team multiple times, I have yet to receive a satisfactory resolution to my problem. Therefore, I am now seeking your assistance in this matter. 

Recently, I received a new credit card from Synchrony Bank with a new account number, ending in XXXX. However, upon logging into my account, I noticed that someone else 's credit card, ending in XXXX, was showing up. This is a major cause for concern as it poses a serious breach of privacy, and it prevents me from using my card as intended. 

What's more, when the mysterious XXXX card is " charged '' by XXXX, it ends up charging a completely separate account. This only adds to my frustrations and confusion over the matter. While I understand issues can arise with banking and credit card accounts, something of this nature should not be acceptable as a resolution seems nearly impossible to obtain. 

I have spoken to Synchrony Bank 's customer service team multiple times, but each time, I have been told that this is not an issue on their end, and they lack the knowledge on how to fix it. As a consumer, this is absolutely unacceptable to me. 

I am urging Synchrony Bank to thoroughly investigate this issue and take immediate action to restore functionality to my account by showing me the correct credit card information. I would appreciate it if you could also investigate this matter and offer your assistance in working towards a resolution. This is a matter of great concern for me, and I firmly believe that it requires immediate attention. 

Thank you for your time and attention to this matter.

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 2023-04-16 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: AZ

Complaint narrative:
Transunion is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Transunion commissioner # XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
Basically, the collection agency ( NATIONAL CREDIT ADJUSTERS ) drudged up a XXXX year old debt and stuck in on my credit report. THIS DEBT IS COMPLETELY PAID OFF ... .BUT NATIONAL CREDIT ADJUSTERS WILL NOT REMOVE THE COLLECTION FROM THE 3 CREDIT REPORTING AGENCIES! THIS COMPANY IS FAMOUS FOR THIS AND ITS ALL OVER THE INTERNET. I DON'T REMEMBER HAVING THIS ORIGINAL DEBT ANYWAYS BUT I PAID IT OFF THINKING NATIONAL CREDIT ADJUSTERS WOULD REMOVE IT FROM MY CREDIT FILES. PLEASE CRACK DOWN ON THIS COLLECTION AGENCY 'S ILLEGAL ACTIVITIES. THEY ARE RUINING THOUSAND OF CONSUMERS CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX XXXX XXXX payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.

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 2023-04-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.

Company response to consumer: Closed with explanation