vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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  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 non-monetary relief
Consumer complaint received 2022-08-25 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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a phone call from someone stating I owed money on a MasterCard that I did not apply for. I'm assuming it was from a Collector for the amount of almost {$3000.00}. I also spoke to a woman in the Legal Department and she immediately asked me to confirm my social security number over the phone, which I refused and her attitude immediately changed and she became agitated. Both people I spoke with never identified themselves and I then became very suspicious. They told me I had 48 hrs or they were filing an Injunction.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is provided wrong information about me They were included in my recent bankruptcy So I owe them nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was notified through the mail that I might be eligible for Student Loan Forgiveness program. I filed the necessary paperwork, but did not hear back with the XXXX. So I called my loan servicer, Navient. There was an option to speak with someone about loan forgiveness, so I pushed that button & was transferred to a third party company who said they could file my paperwork for me. The name of the company is XXXX XXXX XXXX XXXX, and their charge came out of my back under the name XXXX XXXX XXXX. I immediately got an email from the Department of Education saying there has been suspicious activity on my account and that I may have paid for a service that I could do for free. This third party, who I was referred to by Navient was in fact fraudulent. When I confronted them, they screened my calls, denied they were frauds & said they would not return my money to me because they had filed my consolidation forms. Had I not pressed the button when reaching out to Navient, I would still have that money in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The listed inquiries are fraudulent and were applied for without my consent Equifax XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NJ

Complaint narrative:
I have submitted various disputes to the three bureaus Transunion, XXXX, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : Transunion : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : Transunion : Closed Account XXXX XXXX Closed Account XXXX : Open Account XXXX XXXX : Transunion : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.

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 2022-08-25 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: NJ

Complaint narrative:
I have submitted various disputes to the three bureaus XXXX, Equifax, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX Equifax : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account Equifax XXXX Closed Account XXXX : Open Account XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Equifax : Closed- XX/XX/XXXX XXXX : XXXX XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NJ

Complaint narrative:
I have submitted various disputes to the three bureaus XXXX, XXXX, and Experian. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX Bank, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX {$3000.00} Closed- XX/XX/XXXX Experian : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account XXXX XXXX Closed Account Experian : Open Account XXXX XXXX : XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Experian : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, I sent a certified/notarized letter to LexisNexis asking them to remove a XXXX Bankruptcy from my credit file because I nor the XXXX XXXX XXXX Bankruptcy Court provided them consent to sell or provide XXXX, XXXX, XXXX XXXX with my Bankruptcy information. 

I advised them that they violated my rights by committing the below violations : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction In response to my letter, I received a letter on XX/XX/XXXX from LexisNexis that was dated XX/XX/XXXX & XX/XX/XXXX, they advised that the information was accurate and they found these accuracies sourced from their own company as well as PACER Service. 

I am filing this personal complaint because they continue to violate my personal rights and have not received any proof from the XXXX XXXX Bankruptcy courts or myself to allow them to sell my personal information. This is against the law and they need to remove this from my personal credit file and DO NOT sell my information any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), 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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX  - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card. 

Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX  by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX  ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX. 

Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX  I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational. 

There is something very odd going on with XXXX XXXX XXXX 's website and customer service line. 

I need to confirm that this card is cancelled right away. 

Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX  ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so. 

I do appreciate your assistance. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
I disputed these accounts on [ XX/XX/2022 ], Experian recieved the complaint on XXXXthe date of last activity shows 3 different dates even after your investigation. delete this account for FCRA non-compliance of inaccurate data being furnished on the consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed it 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive attached my XX/XX/2022 credit report and appropriate documents to back up my complaint.

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 2022-08-25 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX    15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT 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 non-monetary relief
Consumer complaint received 2022-08-25 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:
XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
The account in question I was scammed out of in 2020. The scammer deposited checks adding up to around {$3000.00} ( I have never had this amount of money before in any account ever ) The money was then distributed to different accounts ( including XXXX XXXX payment for {$1000.00} ) The checks ended up being fake and the bank reversed the funds leaving me a negative XXXX dollar balance ( along with the inflated overdraft fees that were later applied ) The account was then closed. I never filed a dispute or was able to do much of anything about my issue, I played phone tag with the customer service there, they kept insisting that I had to pay that money back but it was never my money in the first place. I have not been able to open a bank account for the last two years and I still do not have the money to pay the bank back- which I should not have to nor want to do as this was a completely fraudulent event on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank servicer is Wells Fargo I've been communicating with them for over a year and a 1/2 for a modification notification or refinance There's 16 complaints with the executive offices with Wells Fargo I sent in documentation Several times for a modification saying they never got the documentation Also sending letters stating that they did get the documentation Very contradicting evidenceWells Fargo has 3 different entities in regard to the process of modification or loss litigation Normal practices are just one department wells Fargo has 3 departments miss leading A year and a 1/2 ago they offered me a modification within 24 hours of getting the documents They wanted me to sign another 10 year note adding 10 years to the loan To save me {$13.00} in a modification which is which is designed for the bank to make more money And not as an act of helping the consumer In the pandemic cares act There's 16 complaints with the executive offices of Wells Fargo and none of them have been investigated or done anything with according to last employee with well fargo I just had hud US department of housing we did 3 way phone call phone on recorded line with Wells Fargo executive offices trying to talk to the person that holds the file for lending and unable to get ahold of the actual underwriter They do that so you go away As a deference tactic This file has been going back-and-forth and it's not being looked at at properly They're also sending me letters at the house stating they got all the documentation they need and contradicting with another letter stating that they didn't get all the documentation We recently did last year a recast with wells fargo because of my because my mortgage payment was way too high I had to sell my boat and car paid down XXXX to pay down loan with recast Wells Fargo would not Refinance me or Modify my loan but they took the recast money XXXX Saying that I don't qualify My credit score XXXX  XXXX I'm medically XXXX Unable to get back to work at this time Due to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the loss of my son and father The bank has no incentive on refinancing me or giving me a modification because they don't make any money they will lose money they are acting as both the bank and the bank servicer took that money and recasted my loan Due to my medical issues issues on XXXX XXXX the loss of my son and father

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I purchased a {$100.00} American Express prepaid giftcard. My son 's friend got in my purse and register and put the card back. When I went to register it it had XXXX left on it. The customer srvice people said that {$98.00} was used of XXXX XXXX. They told me to call XXXX. and they said they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
During a background check for a new rental, our property manager flagged that my credit score came back lower than what I had indicated it should be. Upon checking my credit report though Experian, I noticed there was an account that was listed as being in collections " XXXX XXXX XXXX XXXX  ''. I have never used any service from this company and did not even know if their name up to this point XX/XX/2022 I called XXXX XXXX  XXXX and confirmed with a representative that they had no information for me in their system. If they record calls, this should be in record. With that confirmation in mind, I filed a dispute through Experian on the same day. 

Today, XX/XX/2022 I received an update from Experian that the dispute has been completed and no changes has been made, meaning that XXXX indicated to Experian that the account was valid. This is not the case. 

Today, XX/XX/2022 I added a statement to the dispute through Experian that I have no knowledge of this account. 

I have emailed XXXX inquiring why they have indicated to Experian that the account is valid. 

This has dramatically affected my Experian credit score and want this resolved as soon as possible. 

Thank 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