vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Last month i sent out some documents to XXXX XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX  credit card in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX  due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I noticed that Credence damaged my credit by reporting information to all credit reporting agencies. I attempted to contact the company via USPS in an attempt to validate the debt ( SEE EXHIBIT 1 ). The company did receive my request ( SEE EXHIBITS 2 ). The company did not fully respond to my request and only provided an outdated billing statement ( SEE EXHIBITS 3 ).

I attempted a second time to request the information again ( SEE EXHIBIT 6 ) to properly validate the debt. The company did receive my second request ( SEE EXHIBIT 4 ). The company did not fully respond to my request and inundated me with multiple outdated billing statements ( SEE EXHIBITS 5, 7, 8, 9, 10, 11, and 12 ).

The company continues to refuse to properly validate the debt, which the negative credit reporting is a violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. 

I am requesting CFPB 's help in resolving this issue within the confines of the law. If the company can not properly validate the debt, then by law they must remove from my credit files any negative reference concerning the debt and cease any and all attempts to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter to First Advantage requesting a copy of my consumer background check report. I requested this report because First Advantage provided a copy of my background check to The XXXX XXXXXXXX University and did not provide me a copy of my background check that they said they would using their intake form. After I did not hear from First Advantage, I called First Advantage on XX/XX/XXXX and spoke to a customer service representative about ordering a copy of my background check disclosure. I was assured that I would receive a copy of my consumer report by email within a few days. 

On XX/XX/2021, I received an email requesting proof of verification of my address. I sent First Advantage a recent credit card statement which satisfied their requirements for proof of address. On Wednesday, XX/XX/2021, I received an email from Operations Analyst XXXX XXXX, who sent me an encrypted PDF that appears to be my consumer report. However, XXXX failed to provide me with the password to the PDF document, rendering me unable to read the report. 

Despite repeated emails since receiving the PDF, XXXX has failed to either tell me the password to the PDF of my consumer report, or send me a copy of my report unencumbered by encryption. Despite my repeated reasonable requests for my report, First Advantage has failed to provide me my report as of XX/XX/2021. Therefore, I have been deprived of my right to review my consumer report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Isent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: HI

Complaint narrative:
I am paying on several school loans, I thought this loan was paid off. The company did not reach out to me with any late notices. I noticed my credit was effected in a negative light. So I found out my loan was not paid off. Before and after this incident, I have no other non payments. I asked them to take this off my credit report after i was current. The delinquent accounts were in XXXX, XXXX, XXXX, XXXX of XXXX. I asked if I paid them if they would take them off. My credit is very low because of this school loan. Company Name is FEDLOAN servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a debt consolidation loan through payoff.com. The loan was approved for {$22000.00} over 36 months. The loan came with a rate of 6.99 % and an origination fee of {$110.00}. A monthly payment of {$670.00} was set up for automatic deduction. I was told that manual payments were not an option. The first payment was due XX/XX/XXXX and then the due date was changed to the XXXX of each month starting in XX/XX/XXXX. Payments were deducted automatically on XX/XX/XXXX and XX/XX/XXXX. The problems began when on XX/XX/XXXX they deducted an additional payment of {$670.00} without my authorization or approval after having already deducted the scheduled payment for the month. This deduction had an impact on my bank account as it was not a scheduled or planned for expense. They were contacted and said that it was an error on their part and that they would refund the amount, which was refunded into my account on XX/XX/XXXX. Their website continued to say that my next payment date would be on XX/XX/XXXX after the date had passed and the payment had been made. I had concerns regarding their business practices and called to followup.I called on XX/XX/XXXX at XXXX and XXXX, and then received a call back at XXXX. During these calls there was discussion on the fact that I was mischarged again and that I was concerned regarding my upcoming payment as it still said the XX/XX/XXXX was my next due date. They assured me that it was an error and they were working on it and that my account was in good standing. On XX/XX/XXXX I received a text message saying that my payment was now past due despite all these conversations and my concerns that were shared. I called them on XX/XX/XXXX to discuss that I had received this alert and could not get an answer and was told I will get a call back and never hear back. Not only have they now impacted my bank account by taking unauthorized payments they are now impacting my credit history through late payments that are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
Last month i sent out some documents to TransUnion, XXXX and XXXX  credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX XXXX XXXX  in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting 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 2021-08-13 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
I got my prepaidDiscover card on XXXX and activated it on XXXX. I put up {$200.00} and never used the card. I got an email from them on XXXX that my count had been closed because they were unable to verify some info but there was no mention about how I would get my {$200.00} back, and that's all I want from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: IN

Complaint narrative:
I have talk to them so many times that I am only working part time and the school that I am paying on with this loan has been closed since XXXX and I been paying on this loan for about 10 years of the year of XX/XX/XXXX and my loan was only for XXXX and they said that I still owe them money and they have been having a lawsuit against them I feel they are ripping me off because the way I calcute it is that I still owe them money and I don't feel I do. I need some help getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. 

NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding the numerous incorrect and unknown inquiries/accounts on my credit report, and sixty ( 60 ) days later they have not yet provided any explanation nor they have deleted those errors on my credit report. I feel like I am being ignored on my dispute letters. Under the Fair Credit Reporting Act, a failure to investigate any items in dispute by the consumer within thirty ( 30 ) days will result to the immediate removal of those items from my credit report. It has been over 60 days, so they should have been deleted by now as mandated by law. If their ignorance of my disputes persists, I will have no choice but to file for litigation against them. They have affected my ability to obtain credit or take a personal loan. Furthermore, my information was also impacted by the Equifax and XXXX data breach, and my information may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I went to XXXX and tried to purchase an excursion package, however the company cancelled the excursions due to bad weather and told me that I would not be charged. After returning back home I still did not receive my full refund so I contacted Chime in order to file a dispute. Chime processed my dispute but told me I was not eligible for a provisional credit, however I should receive my funds back in my account within 10 business days. 10 business days turned in to 20, 30, and 60 days later. I have contacted Chime over 20 times and have been hung up on over 5 times, on hold for hours, transferred all over the company, been told I would be contacted several times and never contacted, and given the run around over and over. 

Then I was told that legally I would definitely get a response and resolution within 90 days. However when I contacted them on XXXX ( 90 days XXXX I was told it was not resolved and they need more time. I was told they would escalate the case and I would definitely be contacted within XXXX business days. As usual no one contacted me. I sent and email also and no one contacted me. I contacted them again today XXXX and was told they need to escalate the case again and they are sorry there is nothing they can do. 

This is the worse experience I have ever had with any company, not to mention a bank that is in control of my personal finances. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute a correcting my names on all XXXX credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.

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 2021-08-13 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: CL Holdings LLC
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Mesa Auto Finance, LLC
State: CA

Complaint narrative:
i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: IA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX did a hard inquiry on my transunion credit without my direct expressed permission to do so.

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 2021-08-13 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: IL

Complaint narrative:
Equifax has reported that XXXX XXXX provided them with a copy of my suppressed reported. I reached out to XXXX XXXX and they reported that the file is suppressed and was not shared with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
CBE Group called 10 times in as many days. Only once was there a person on the line, all other times there was no one there. The one person I spoke to wanted confidential personal information from me ( SSN ) and I refused. When I finally tired of the repeated calls, I called back. Again I was asked for my SSN, and again I refused, which got me transferred to a human. That person asked me to verify an address that was not mine, then asked me to verify the last four digits of my SSN which were again not mine. They then said they had the wrong person. CBE Groups inability to correctly identify their debtors gives them no right to call me daily and ask for confidential personal information. They also made me concerned that my identity had been stolen. My phone number is on the federaldo not call list and I have no business relationship with CBE Group, making their repeated calls to me illegal. CBE Group needs to be held accountable for their illegal harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX  has reported that Lexis Nexis provided them with a copy of my suppressed reported. I reached out to Lexis Nexis and they reported that the file is suppressed and was not shared with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TX

Complaint narrative:
On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to XXXX  asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( XXXX  , XXXX  , and Transunion ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation