vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Ive written penn credit corporation about my debt. They have violated several laws obtaining my information without my consent. Claiming I owe an alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am seeking loan forgiveness under the PSLF and TEPSLF. I originally applied in XXXX. The following year, I tried to submit an updated form to verify employment. It was never processed and I was denied access under XXXX. With the new and temporary changes, I applied again. However, right in the middle of the process, my loans were transferred from XXXX to Mohela. All of my information was not properly transferred, which includes the form I submitted. The form verifies all of the information required. I have been employed with the same qualifying employer since XXXX. My count towards loan forgiveness does not include all of my time which makes me ineligible when I should be. I keep getting the run around. I would like for my information to be updated including using the IDR waiver. It would place me well over the required XXXX payments. In addition, I submitted a new form ( XX/XX/XXXX ) before the XX/XX/XXXX deadline. I was told they were waiting on that form to process. I stated to them, prior to my loans being transferred on the XX/XX/XXXX, I had an approved form in XXXX XXXX XXXXXXXX from XXXX and why weren't they using that. It's not fair I have to wait an additional 90 days. The transfer left me in this unforgiving holding pattern. Please help if you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received an email from " The Children 's Place '' that they had shipped my order. I never placed an order with them but they had my email address, mailing address and credit card in my name but were shipping the order to another address. I used my email address to request a password change and found a charges on a credit card from this store in my name. I told them I never requested a credit card and that I never placed the orders. Their email response was that once an order is confirmed it can not be cancelled, updated or changed.. They have yet to get back to me by phone. There were several orders XXXX of XXXX items had shipped. The order totaled {$140.00} and was paid with XXXX XXXX XXXX Credit Card ending in XXXX. The Children 's Place, XXXX XXXX XXXX XXXX, NY XXXX phone XXXX. XXXX XXXX is XXXX and XXXX XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MD

Complaint narrative:
Been having issues with opening my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america told me several times I must go to a local bank of america and verify my identity. I went to a bank of america location 3 times and they act like I don't know what I'm talking about. I haven't been able to access my money for months almost a year now. I've sent copy of My ID and social as well. They also won't let me update my information either. Please help I'm loosing my place to live due to this issue. They are violating so many laws it's ridiculous. I can't afford an attorney or else I would have hired one that should be on there.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681c-2 this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information on my personal 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
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect information on my personal credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
Incorrect information on my personal 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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing this info since XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 USC 1681c-2 this need to be 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681c-2 this need to be 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 explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ERC
State: IN

Complaint narrative:
This was taken care of send it last year in XXXX it was taking off before XXXX this year due to selling my personal information identity on the XXXXXXXX XXXX which is XXXX XXXX  my account was closed by sprint in XXXX due having over charges and settled but its not a new account from XX/XX/XXXX and its theft and fraud its been taken off by government its the law so im gon na sue them for fraud account charges and information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
A payment in amount of {$2.00} was made on XX/XX/XXXX, did not show in pending payments, a duplicate payment was then made on XX/XX/XXXX, both of which posted to XXXX account ending in XXXX, bringing the account to a credit balance of {$2.00}. For whatever reason, possibly due to technical issue, initial payment did not show as posted or pending, hence duplicate payment made which now brings account to a credit balance of {$2.00}. I request check mailed to me for this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
CMRE financial reported debt to my credit reports, I called them, they said they couldnt send me an invoice but I can see if online but I had to sign to verify the debt as Accurate first before viewing the debt which is fraudulent! Also discovered its not my account but was told the only way to get it removed was to pay it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a couple accounts on my credit report I do not recognize

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a couple accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I know this dispute seems to be a duplication as you say but the reason, I'm address this issue again is because each party failed to resolve my issues. I know my rights when it comes to my credit report, and I have addressed my issues with Experian multiple of times because they won't make the necessary changes to my credit file upon my request and concerns now causing my future endeavors to suffer and be delayed as of now. This can result in a lawsuit. Again, Experian failed to act and to properly comprehend upon my pervious request, I requested the deletion of XXXX accounts on my consumer credit profile for privacy propose. This dispute is based upon my privacy not accuracy I have the right by Law to choose what I want to report on my credit file and what I choose not to share on my credit file for privacy proposes, 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. Account Names : XXXX XXXX XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account Names : XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 fil ing a legal complaint against 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 explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my credit report and saw that the credit reporting agencies had placed fraudulent collections on my record. The attached documents indicate what information is falsely reporting and it is doing so in violation of federal law.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: HI

Complaint narrative:
Account is settled but still after many months still in credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lentegrity Management, LLC
State: AZ

Complaint narrative:
I have no knowledge nor gave anyone permission at any of these companies to pull or place anything on my consumer reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
( National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX ) Has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

15 U.S. Code 1692e - False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXX of the XXXX XXXX to resolve this matter once in for all.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit report and saw that the credit reporting agencies had placed fraudulent collections on my record. The attached documents indicate what information is falsely reporting and it is doing so in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
I have no knowledge nor gave anyone permission at any of these companies to pull or place anything on my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
I have no knowledge nor gave anyone permission at any of these companies to pull or place anything on my consumer reports.

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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I never applied for a student loan educational which was incorrectly reporting on my credit report # XXXX Then they sent it to collections I have been disputing since XX/XX/2020 I need this removed and blocked from my credit file

Company response to consumer: Closed with explanation