vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
To whom it may concern I made an uniformed use of credit when I entered into a consumer credit transaction with XXXX  on XX/XX/2021. The contract/agreement was not easily understood or explained. The information in the contract was not clear or conspicuous. I rendered the vehicle due to the annual APR being 21.99 % and it being charged off. The debt was originally paid for by my social security number ( credit card ) Then when the loan defaulted it was paid for by insurance and the premium. With the account being charged off I have written numerous letters asking for the company to send proof of the loss. I also asked for who the debt was sold/assigned to. This company has a history of theft and misuse of consumers credit profiles. They have violated my consumer rights by furnishing my personal information to third parties. According to 15USC1692d. This collection agency/lender whoever they choose to call themselves have used obscene and profane language also threatened to furnish this debt to ANY and ALL CRAs without my permission which is a breach of my privacy and an infringement upon my rights to privacy. They have caused irreparable harm to reputation by furnishing my private consumer credit transactions with third parties. The vehicle has been turned over. I have asked numerous times for this company to return all payments made and remove the information from my credit report. This company practices including loan sharking, predatory lending, usury and bullying.

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 2022-11-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a request to investigate a medical collect on my credit report to XXXX, experian. i have received no response of the status or up date

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 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
the company at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Have attached themselves to my credit report stating i opened a account on XX/XX/2021 in XXXX, Texas, I never received a notice of approval, account number, nor merchandise from this company at the time in question there was and had been a freeze on my credit report for serveral years. i contact the company about this and upon contact they told me the acount was opened in XXXX, texas... I then immedialte informed the representative that ive never lived in texas i own my home and have lived in ti for over 20 years as well as there was and still is a freeze on my credit report. so the account couldn't be mine. and that i had never received any of there merchandise nor service at the time i found out they were on my credit report was second week of XXXX XXXX showing i was past due by {$400.00} and the all of a sudden out of the blue around the second week of XXXX XXXX i get a billing statement from swiss colony at my real present address. i contact the company again as well as XXXX about the matter, the agent at swiss colony told me they used public records to get my address, so again i asked them for the shipping address to where they sent merchandise in XXXX, texas or the address to where they had been sending statements before searching public records to obtain my address and i was told i could not have that information cause it was irrelevant. XXXX the account had been written off as bad and charge off on my credit. i filed a dispute with the credit agency and XXXX did nothing knowing very well i had a freeze on my account at the date of said account. i havent been able to get nothing resolved on neither end from the company nor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MN

Complaint narrative:
I am currently working with a XXXX XXXX XXXX XXXX and working to establish a debt management plan for my Discover Card. My entire balance is sitting at XXXX  % APR. I spoke with their XXXXXXXX XXXX  and XXXX department and they advised that the debt management plan was declined because I have a {$200.00} transaction sitting at XXXX percent. This transaction is found on my statements as ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. This transaction was the result of Discover reversing a double payment that took place on XX/XX/22. The {$200.00} should have been put back to the balance under the regular APR. 

When I've spoken with the XXXXXXXX XXXX and XXXX department they advise me they can not help me with the {$200.00} ACH transfer and that I must speak with Customer Service. Customer Service then tells me that there is nothing sitting at XXXX percent and there is nothing to correct and that my entire balance is at XXXX %. The XXXX XXXX and XXXX department is refusing to assist me with the debt management plan proposal as they have no clue what is going on with the ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. Neither department will speak with the other and they expect me to be the middleman for their company however all they do is bounce me back and forth between the departments. 

I have attached the letter I received from XXXX along with an email from the XXXX XXXX XXXX XXXX I am working with informing me why Discover declined the debt management plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: NY

Complaint narrative:
Equifax, XXXX, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" XXXX XXXX '' keeps reporting inaccurate information on my TransUnion credit report, which is a direct violation of the FCRA. One month it reports as " open '' -- the next month it reports as " closed. '' The latest report showed that it " closed '' on XX/XX/2022. As of XX/XX/2022, it is reporting as " open. '' This is fraudulent and a violation of the FCRA. This account needs to be deleted from my TransUnion credit report immediately. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: MI

Complaint narrative:
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2022-11-28 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: NC

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. Accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-28 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: MN

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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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 2022-11-28 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: MN

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. 

Account name : XXXX  # XXXX, Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I used my XXXX  XXXX XXXX checking accounts on line bill paying feature to pay my credit card bill. I have used this method of payment for many years with no problems. The amount was {$1000.00}. That amount was removed from my account on that date. Unfortunately, the money was never credited to my credit card account. 

I understand why there may be a problem. The credit card account was being transitioned between banks at that time. The payment was made to the old account, XXXX, however Comenity was managing the new account. It is my hope that you will take the time and effort to work together with XXXX  XXXX XXXX and XXXX to find and apply the XX/XX/XXXX payment to my current credit card balance. 

This payment was processed, posted and cleared. I no longer have that money. I did contact XXXX  XXXX XXXX and they were able to provide me with a Reference Number. XXXX XXXX XXXX has told me that they are not able to provide anymore information to me. XXXX  XXXX XXXX claims that XXXX and Comenity should be able to locate the payment with that information. However, should XXXX or Comenity need additional information, they would need to contact XXXX  XXXX XXXX directly. 

Because Comenity did not receive the funds, my credit card access was put on hold. I was able to make the minimum payment by phone and credit access was restored on XX/XX/XXXX. 

On or about XX/XX/XXXX, I contacted Comenity to enter a dispute of the lost payment. Comenity wrote me a letter stating they would look into it. 

Then I received the letter dated XX/XX/XXXX stating that there is no record of my payment to the XXXX XXXX Visa Card. The letter stated I needed to contact my bank. Well, I did not make the payment to the XXXX XXXX  Visa Card, I made it to the old XXXX XXXX XXXX. The letter stated I need to write you a letter to provide the additional information. 

I have tried to keep up with the payments as best as I can. However, the fact that this money was not applied as expected has caused the account to accrue Late Fees, Foreign Transaction Fees and Interest Charged. Not to mention the many hours I have spent performing this research. Once the matter is resolved, I will expect ALL fees to be reimbursed, totaling {$75.00}. 

On XX/XX/XXXX, I sent a letter with all supporting documentation to Comenity as instructed. On XX/XX/XXXX, I created an on-line account with Comenity and uploaded the same documents. I have called Comenity every two weeks requesting an update and each time the response is " its under investigation '' and " we have 90 days to complete the investigation. '' I have exhausted all of my resources and I am not able to assist any further. You have all of the information you need to resolve the problem. I look forward to your expedited resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
Hello. Been XXXX times calling to Collection Bureau of America., XXXX XXXXXXXX XXXX XXXXXXXX, to remove collection from me. .Have been billing from collection agency for amount of {$640.00}, I used to have Identity theft, some body been using my information provably, never been late on credit cards payments and loans. Please investigate and remove collection from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate. 
15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TN

Complaint narrative:
This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap

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 2022-11-28 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: TN

Complaint narrative:
This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap

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 2022-11-28 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

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

You have a grave responsibility with fairness. I not only want fairness but also equity.

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 2022-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There has been numerous attempts to use my personal information for credit without my 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 non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
SquareXXXX XXXX XXXX is holding money from a direct deposit return for employees payroll and the grounds that I owe XXXX. I have contacted them for months now. Have found the charge by them for the amount above on the date of XX/XX/2022 and sent the at their request proof of this transaction. After all of this has been done they still have no word on a resolution of the problem and continue to not be able to put me in contact with any party I have asked to speak to. I have asked for contact from a supervisor as well as the legal department and have not heard anything else back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This has caused me to suffer repeatedly and its defamation of my character. I have sent in FTC documents including a police report and these accounts still remain on my credit making it impossible for me to live a decent life. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  Account # XXXX {$5000.00} XXXX XXXX  Account # XXXX {$2100.00}

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