vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
According 15 usc 1692g ( b ), I am demanding that credit acceptance corporation verify this debt. I spoke to the XXXX XXXX XXXX XXXX XXXX  that is handling this debt but it's very limited to what they provide me with. According to above law, I want to see proof of ORIGINAL AND CURRENT OWNERSHIP TO THIS DEBT SIGNED AND VERIFIED BY A NOTARY AS SOON AS POSSIBLE. I AM ALSO REQUESTING A NOTARIZED LEDGER CARD. I WANT ORIGINAL DOCUMENTS BEARING MY WET SIGNATURE. I WANT STATEMENTS ACCOUNTS FROM THE BEGINNING.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im 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. 

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 7 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.

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 2022-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AZ

Complaint narrative:
Requested a refund for student loan payments made during the forbearance period. Still waiting for refund with no communication from EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Transunion remove XXXX XXXX as per enclosed documents

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 2022-10-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting as a new bankruptcy on my account. It is only reporting this way on my Transunion account, noXXXX XXXX XXXX XXXX XXXX XXXX XXXX account has also been removed from my report and I did not ask for this. This seems to be retaliation for the previous complaint I filed with the CFPB about multiple attempts to correct information on my account. The account description should read " Included in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' This, again is destroying my credit score and my creditworthiness. If the retaliation continues, I will move forward with legal counsel and take legal action.

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 2022-10-08 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: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. 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. 

These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Equifax remove this account as per enclosed document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Experian remove this enclosed account as per enclosed document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax keeps reporting an XXXX XXXX  open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a XXXX XXXX XXXX  account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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:
Im 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.

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 7 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im 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. 

DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 7 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.

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 2022-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 Unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Transunion remove this account as per enclosed documentation

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 2022-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
In XXXX, my husband co-signed on a XXXX  loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX  made the first XXXX payments. The XXXX  did make XXXX payments on this loan before deciding to go back to school for XXXX  XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover  and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX  to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 

15 USC 1681 section 602 A. 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. 

These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 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: DISCOVER BANK
State: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. 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. 

These accounts were opened fraudulently Discover XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: SC

Complaint narrative:
I paid this bill and the office sent me a check back. Im XXXX of 2021. I have been to the office multiple time after that appointment and they never informed me about a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my XXXX banking XXXX and I lost my phone number on XXXX, XXXX by the same perpetrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone transfer XXXX $ from my account to anther account I file a claim for it on Bank of America and they denied my claim its not my who transferred this amount I tried to explain that someone hacked my account but they denied my claim thats is not fair if they do their work right they will found that was a fraud.

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 2022-10-08 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:
I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies Experian, XXXX, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed

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 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP
State: IN

Complaint narrative:
I cant afford to pay back all of the debt at once. They call me EVERY SINGLE DAY! I tried to deposit cash into their atm to pay back {$100.00} & it said it would not accept cash at this time. I have tried twice now. Which I am sure they have record and surveillance of. They will not stop contacting me its basically harassment at this point I have screenshots of missed calls and also voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime banking gave me a provisional credit involves a dispute XX/XX/2022 The dispute helped to stop payment I closed the dispute Payment was not made notification from the dispute and I was notified to re submit payment with a additional expense added for nonpayment I paid on XXXX XXXX the amount of XXXX plus XXXX of penalty fees Chime bank on XX/XX/XXXX deducted XXXX from my account labeled incorrect and without notifying me I receive XXXX benefits and live on a fixed income chime bank has caused a major hardship Spent 5 daysv since XX/XX/XXXX to resolve issue additional errors were created by the customer service reps in resolution process Documentation of chats and emails available as verbal communicate simply impossible The XXXX that was deducted by chime to recover the provisional credit shouldnt of happened because the company was not paid My current bill to the same place that the dispute is now demanding XXXX money and I dont have it because of chimes actions and now financial penalties and created troubled relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
Unreconized credit inquires i did not allow are the following 1. XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/2022 a Bank of America XXXX Credit Card with a credit limit of {$24000.00} was opened in my name. I have called Bank of America 's customer service line XXXX times to have the credit card shut down, often spending 30+ min on hold and constantly getting passed around from one agent to another. To date, I have gotten emails that a credit card has been sent to me, I've called Bank of America to repeatedly tell them I did not open the account. The last call was on XXXX, a month after this account was opened, where I spent over 30 min on the phone with no one to help resolve my issue.

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 2022-10-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Lane Bryant retail account through comenity bank has not updated correct balance in over 5 months. Our balance has been XXXX for several months and but is still being reported a balance of XXXX. 

Requests to have the balance accurately reflected as a XXXX balance have not been responded to. Response is they are in process of changing over their systems - however 5 months of inaccurate reporting of balance is beyond a reasonable expectation. 

When calling customer service, you reach someone out of the country, who says it will be another XXXX billing cycles which would be a total of XXXX inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc.
State: CA

Complaint narrative:
Hello, I received a letter in the mail about a medical debt from XXXX for a bill that I called and spoke to them about. I have an email from XX/XX/XXXX saying that I could set up payment plans and now the debt has been sent to USCB debt collection. I was told specifically on the phone that medical billing does not incur interest or go into debt collection. This is damaging to my credit and I did not receive a notification or any calls that the debt was going into collection. I've reached out to XXXX about this since receiving the letter through email but I would like this taken out of collections.

Company response to consumer: Closed with explanation