vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
They told me someone opened an account using my information but different addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I setup auto pay to make a {$250.00} payment on a balance of over XXXX. BoA instead drafted from my personal checking account the entire XXXX at another bank. I called over two weeks ago and they claimed to reverse the process but have yet to do so. I was initially told XXXX business days but that hasn't happened. I was then told XXXX days and it still hasn't happened. There is no pending deposit or modification to the BoA credit card showing the new balance. The bank is keeping my funds and is required to return it. Don't trust BoA or what customer service informs you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to Experian about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a XXXX XXXX XXXX Credit Card with XXXX and out of the blue my card was declined at a store I was trying to make a purchase. It was declined. I opened my XXXX app that service the account with and it was blank and said N/A. I contacted XXXX and they said the account has been turned over to another servicer. I have a balance on this card i want to pay off in full like i do every month but XXXX will not give me information due to the account being switched. i have no idea who the company is or when my balance is due. The one lady at XXXX named XXXX said i had two cards with XXXX which is false. i told them this could be fraudulent but they said they cant speak to me... What am i to do when i am sure i have a due date coming up but no way of verifying this is fraud or my purchases. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : TRANS UNION 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting from an account that was opened almost 9 years ago and thus should be removed. 
NCB is reporting collections for the XXXX account and is double reporting the XXXX account that should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
okay my original debt was with a company called XXXX XXXX who i tried to settel before i asked to close my account. this happened in the middile of the pendemic and i offered to pay them a lower amount until things changed they refused my {$30.00} offer and them sold my information to LVNV funding LLC without my permission then this company started calling me until i blocked thier number from my phone. i have never conducted any business with lvnv funding and this company never issued my any line of credit so why is this on my credit report {$540.00}? PLEASE ask this company to you an original aggrement with my signature on it to verify that we conducted business together... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This now I have been fighting with and I have writtten emails and responses. This is COMMENITY bank overstock store cardI have Other commenity store cards that over the last 2 yrs my credit line has went up even in XXXX of 2021 applied at a different store and my credit line was opened at XXXX dollers. so why commentiy decreased my over few months and in XXXX decreased is to XXXX dollers never missed a payment and every time I ask WHY? write a letter I did got the same generic response due to info recieved from one of your credit repoerting agebcys... CONTACT them. What I reply why? so I do then am told what I know as my score ans all is correct I need to contact them. I reply I was told to ask you what info you send to them. NO NO NO mae We update what we recieve not the other way around contact the card issuer. I do again and told again contact your credit buerous. I do again I am told they have nothing to do with sending any information contact credir issuer. I have did this and Like I said have proof run around not since XX/XX/2021 no answer. also I asked ok I know what ever your doing is incorrect I know my credit score you might have me confused with someone else. I was tols again write a letter I recieve same generic response. also I ask WHAT ID I JUST REQUEST a limit increase so you can get current info. Is it a hard or soft inquiry? commenity response.. ( I dont know ) contact your credit bureau ... What again going in a circle. You dont know? No we dont have tht info write letter or secure email wich I did and again same resonse. So DONT THEY HAVE TO TELL ME IF IT IS A SOFT OR HARD INQUIRY>???? Before I do that? And there information is wrong it makes no sence. and my credit bureau HAS NOTHING TO DO WITH IT How they keep telling me ask XXXX, XXXX and CONTACT XXXX for questions ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The account was transferred to a collection agency over 7 years ago, but the collection agency changes the date to keep the account active on my credit report. 

The account was a charge card for XXXX XXXX and the charges were added because I disputed a fee charged to me when the payment was made on the due date. I did not pay the fee, therefore late fees were added every month until it reached {$370.00}. I refuse to pay the amount and have discussed this with the collection agency. These fees are all charged because I disputed a late fee charge which they should have corrected. 

I am tired of this item being on my credit report and would like to have it removed immediately because I do not owe it and it has remained negatively on my account for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have advised Chime XXXX times that someone keeps changing my email and phone number thats causing me not able to login Chime asked me to send in my ID in my email address and phone number I did that XXXX times within one day but the situation continues to happen someone keeps changing my email and my phone number then Chime advised me to change my password I change my password over 12 times and the situation still is continue every time I change my password and look into my account my money is gone they have taken {$290.00} out of my account and they have taken {$320.00} out of my account that I work for on my job every time I call Chime they tells me I dont have an account and I advise them that my email and phone number keeps changing and thats why you can not find my account they are taking me through the mail about getting my account straight I shouldnt have to keep sending documents to prove that this is my account when I asked Chime to make knows that my email and phone numbers should not be changed at allThe situation still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX Credit card showing up as unknown payment history, unknown account status, unknown credit limit on my Experian Credit report but 2 months ago it said exceptional payment history and a XXXX dollar limit. I used the card every week since XX/XX/2021 and paid off everything as soon as they posted to my account. XXXX XXXX XXXX is saying they don't know why Experian is saying that because I have no balance and no one at Experian ever picks up the phone. It always says no one can take your phone call. I did a dispute with Experian and they said they aren't changing anything. Two months ago this dropped my credit score by XXXX points. I can't see my XXXXredit score on XXXX or 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 2022-05-06 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have tried to resolve this problem with the collection agency XXXX, Navy Federal Credit Union, and XXXX. Everyone wants to blame the other. The account has been paid and should reflect a XXXX balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX XXXX XXXX   in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: LA

Complaint narrative:
N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I wrote a letter to Kohls, Capital One XXXX. Requesting to have my late history during a State of an Emergency XXXX removed is what the Federal Government put in place. I m not asking you to lie. I am asking you to oblige : Under the Credit Protections Under the Coronavirus CARES When Federal Law Prohibits Negative Credit Reporting The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Their response is they can not report inaccurate information.. My response back to them is providing them information regarding the Credit Protections Under the Coronavirus CARES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Tried to reach out stating I couldnt pay the loans off due to job charge and lower pay XXXX cant afford to pay off with XXXX kids and trying to provide a home for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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

XXXX  XXXX Account # XXXX has violated my rights. 

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 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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