vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' on the XXXXXXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' on the XXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody 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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union in XXXX XXXX deposited PAYROLL check on Friday XXXX, XXXX, Tuesday my funds were available. Wednesday they were not. Put a hold on my funds. Told can't access my funds until XXXX XXXX. Called 3 different times to settled this. My car payment went NSF.. on both ends XXXX XXXX and NFCU. My payroll check is also drawn on XXXX a payroll company. First check deposited with no problem, walked in and gave to bank teller. I've never missed or had late payments on my car payment. Can't pay any bills or use my money for food, gas. Shame on you. I'm a XXXX XXXX XXXX and work with XXXX  helping our community. My son is also a decorated Veteran. As my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. XXXX it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on 4-6 weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Iv had a fraudulent credit card account pop up from a company called Comenity Bank. I called them numerous times to dispute the debt and filed police reports and ftc reports on it. Comenity only laughs and calls me a liar. They won't remove this fake debt off my credit report. It needs removed. Iv never used this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to discuss a reinsertion issue with Equifax. I disputed a XXXX Collections account on my consumer report due to it being inaccurate information and fraudulent because my information was shared without my consent. The account was deleted. I received a report from Equifax recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Equifax is the only consumer reporting agency that has inaccurate information pertaining to this account. I have attached proper documentation for you to assess yourself. Per 15 USC 1681i, Equifax must report 100 % maximum possible accuracy. This is not accurate. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody 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 non-monetary relief
Consumer complaint received 2022-06-06 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: Credit Systems International, Inc.
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-06-06 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-06 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: The CBE Group, Inc.
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Purchased an appliance through PayPal on XX/XX/XXXX. Seller failed to complete promised installation over a 2 day window which was not completed for two months XXXX due to unkept promised installation dates. Buyer initiated complaint with PayPal for sellers failure to install on XX/XX/XXXX After a two month period and a request to have item cancelled, seller installed XXXX XXXX and caused a gas leak. Buyer called XXXX XXXX to have range disconnected and called seller to inform them of gas leak, however seller did not respond for another two weeks. Seller caused irreparable emotional damage to client and a situation that may have ended up in death. Buyer initiated additional information regarding gas leak and failure of seller to respond ; PayPal was aware of the above situation however failed to act on buyers complaint of failed installment dates and seller causing a gas leak. I am requesting resolution for emotional and physical damaged due to the above situation which paypal has completely ignored thereby causing additional XXXX. In addition paypal resolution center failed to send me a letter indicating their decision and requested payment to paypal for the XXXX XXXX I called PayPal on XX/XX/XXXX, asking for letter regarding their decision but to date, no such letter received. I was not informed in writing that paypal had decided against me. After many phone calls to paypal and several written documents documenting sellers actions my issue was never addressed on the merits of my complaints.

Company response to consumer: Closed with explanation