vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/2023 I called this company made the payoff amount of XXXX to pay off this credit card and requested that this account be closed. I was given a confirmation number as well a verbal confirmation that I did not owe this company any more money and my account would be closed. I continue to get up 5-6 phones calls per day from this company trying to collect on a balance of now XXXX dollars of late fees. They are now saying that because I did not close my account on a certain day of the month Im responsible for service fees. Ive tried to explain my situation to several supervisors but no one is be reasonable. Or no one will resceach my conversation back on XXXX XXXX XXXX XXXX in which this company stated they record all calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See document attached

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 2024-01-10 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My rights as a federal protected consumer has been VIOLATED! FCRA 609 AND 605 as well as FCRA sec 623. On top of that also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802 and 15 USC 1692g. It doesn't end there. I have requested EQUIFAX to provide original wet signature contract between Me and XXXX, also me given written instruction to furnish ANYTHING on my consumer report, which I never did and thats identity theft. Also EQUIFAX have late payments which VIOLATES my federal protected rights again 15 USC 1666b. I also requested proof of license to collect a debt in florida and that was not presented by EQUIFAX or XXXX XXXX XXXX, but yet EQUIFAX continues to furnish item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - Ex XXXX XXXXy # Account # has violated my rights 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 written consent.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Closed yet another complaint but flip flopping on explanations that mean and do absolutely nothing BUT STALL

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I checked my credit score at XXXX XXXXXXXX and it's gone down a lot, and when I checked my credit report for XXXX there's a delinquent account from someone called Synchrony who I have never heard of before. I do not have any knowledge of this account and have no idea what this is for. I do not know if someone opened an account in my name, or if this is some other issue. I would like some details about what I supposedly owe, if this is a valid debt I will pay it but I don't think it is.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
they will not open my credit report and saying send in documents but have 3 times and now have proof certified mails and their still saying they not get it its wrong and messed up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela was supposed to refund {$12000.00} that I have been waiting for over 5 months to receive. They added it back to my balance and it's accruing interest. I have waited hours on hold only to be disconnected. 

I am also qualified for PSLF and they are not updating my payment count even though I submitted the employee verification for months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit 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: Block, Inc.
State: OH

Complaint narrative:
I filed a dispute on Cash app to XXXX after I purchased a video game key and wasn't given it I contacted the seller and was refused a refund and denied the dispute on Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of XXXX XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for XXXX XXXX and they still failed to honor their policy. They instead filed suit and damaged my credit. 
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. 
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.

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 2024-01-10 00:00:00
Product: Credit reporting 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I was going through my Credit report and saw a few hard inquiries which I dont recognize in total XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage sold my loan to XXXX XXXX effective XX/XX/XXXX  and provided a telephone number for XXXX XXXX, a number I simply can not speak with live representative. I called Wells Fargo and a gentleman who spoke with me told me that they've been receiving a lot of complaints from other customers. Yet Wells Fargo did not have any other number for me to call XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX ( Complaint # 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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of Amex XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for American Express and they still failed to honor their policy. They instead filed suit and damaged my credit. 
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. 
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX, I was contacted by USAA concerning my credit card. During the conversation, I reiterated multiple times that while I was seeking a resolution to the problem at hand, the solution would not be made through me closing my account. Eventually, the agent made the statement that " [ he ] was making the decision to close the account. I need you to listen and agree to the following recorded statements. '' Given the manner and method in which the statement was given, coupled with the fact that I am already prone to XXXX and XXXX XXXX- something that USAA should be considerate of given that they market themselves to military members who as a group tend to suffer from XXXX and other high stress XXXX XXXX- I understood that I was not offered an option other than to follow the directions issued by the agent. 

I have since contacted the company and requested, asked, argued, pleaded, and every other synonym for them to review the recording of the conversation. While they have agreed that there is a recording of my agreement to the closure, no one will clarify any of the surrounding conversation prior to the closure of the account. The closest that occurs is that one agent has stretched, tremendously, that I previously agreed to the closure when I said " yeah '' after the agent asked " So I understand that you want to be done with everything and close the account. '' Has no one ever taken XXXX grade English and studied the word " ambiguous ''? I wished to be done with the problem that I was contacted about, I did not wish to close my account, which I had made plainly clear in multiple other statements, and which no agent will verify that I said. 

I maintain that they know if they verify my statement that I did not wish to close my account, then they have to admit that their agent acted inappropriately, and every action they have taken since then is punitive against me. Up to and including harassing phone calls meant to intimidate me to stop me from pursuing further actions to have this corrected. 

I have reached the end of my abilities to try to reason with the company. No agent will answer my question of how many times I made plain statement that I did not wish to close the account. No agent can explain how an agent can close my account- in good standing- against my express wishes and stated desires, other than through coercive means. 

Due to the closure of the account, my oldest and largest credit account, my credit score took a XXXX point drop. My other credit cards halved ( or more ) my available credit, and I have been dealing with constant and daily XXXX and stress XXXX XXXX XXXX 

Help, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation