vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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:
ExperianXXXX XXXXXXXX XXXX shes XXXX accounts incorrectly, the other bureaus have the info right but Experian does not. It shows my XXXX XXXX XXXX account that was charged off reported on XXXX of XXXX and then reported a 180 day late payment on in XXXX of XXXX. This is XXXX YEARS AFTER the charged off date. The debt was charged off by the company we can not make payment to them and therefore its impossible to have a late payment with no balance. They are also showing a balance on the charge off. It shows XXXX charge offs on XXXX account- it can not be charged off every month for 43 months only XXXX charge off can happen and it shows still open which is also inaccurate This is Re-aging of my credit and it illegal. 

In addition ExperianXXXX  XXXX XXXX was charged off on XXXX of XXXX. It wil In our XXXX XXXX XXXX and Experian is showing it suddenly charged off in XXXX of XXXX this is also incorrect and shows a balance. A balance is not possible after a charge off as its been written off by the creditor. The account was closed after the charge off and experian kept reporting it. This is re-aging of my credit and is illegal. 

This has dropped my score over 100 points. Experian is famous for reporting in accurate information. They need to fix it immediately. Its ruining my ability to buy the house we are under contract for. If its not fixed I will file a lawsuit. I have bankruptcy docs to send but CFPB says to not show some of the personal info on the docs. The screenshots below are from the experian site/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 2022-04-09 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: OH

Complaint narrative:
I have disputed this debt with Transunion I have sent a validation letter to the company XXXX me a account summary report they wrote account summary report they gave me no Information They know this debt is not mine please investigate. 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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act and 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 explanation
Consumer complaint received 2022-04-09 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: CA

Complaint narrative:
There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.

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 2022-04-09 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: CA

Complaint narrative:
There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
TORRID closed my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I reached out to Experian on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) regarding these unauthorized inquiries on my credit report that I asked them to remove because they were fraudulent as I didn't give my identification to any of these companies ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for any transactions . I also called XXXX as well as XXXX and they still ignored my request for remedy. I sent in dispute after dispute, affidavits as well as cease and desist orders to no avail they are ignoring me to remove these unauthorized transactions without permissible purpose. I don't know what else to do but take my complaints to the CFPB. I have even asked Experian to remove all 5 variations of my name as my name should only be listed as XXXX XXXX XXXX and the only address I have is XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX but they have over 11 variations of addresses and they refuse to delete them. They were also reporting some late charges from XXXX and I told them I was never ever late with XXXX but they said I have to take that issue up with creditor XXXX as they can do nothing only report. I said I am the consumer and what you are reporting is inaccurate and needs to be removed they said they wont. Experian is also reporting inaccurately past due amount from NEW XXXX XXXX which derived from a consumer credit transaction with XXXX XXXX XXXX on XX/XX/XXXX then several third party servicing companies has shown up since saying I owe them the alleged debt. I was never late nor missed any payments as they are reporting on my consumer file.

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 2022-04-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company 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 2022-04-09 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: MO

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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:
In accordance with the fair credit reporting act and 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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act and 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 2022-04-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX : ******** Experian : ****** 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 explanation
Consumer complaint received 2022-04-09 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: GA

Complaint narrative:
The CARES Act and Credit Reporting FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX is reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

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 2022-04-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: GA

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

Company 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 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
A number of years ago XXXX XXXX launched a program whereby employees could sign up for " business '' internet connectivity at their home, through XXXX XXXX. We signed up, though apparently few employees did. I was working in XXXX 's XXXX office, not at home ; this predated covid. 

We used this account for years, paying every month. We never missed a payment, were never late on a payment. XXXX is internally so confused about the whole mix of " business '' and " XXXX  '' that it was, and still is, impossible to get any information from them. To this day we can not sign up for a XXXX XXXX home account because they claim that our ordinary suburban home is " a business address. '' As if they know and we don't. Neither XXXX XXXX nor XXXX XXXX seems able to figure this out because the XXXX program disappeared long ago. 

We eventually closed our Internet account, but kept the landline for an extra year or so. We still paid monthly. On every monthly printed statement, many of which we still have, it is clear that we paid the prior balance ; there are details of partial month charges, state sales tax, " voice XXXX fee '' of {$.00}. We paid them all. 

Much later, XXXX sent us a bill for {$3000.00}, for who-knows-what. We sent back their modems, we disconnected their phone lines, we can not find any accounting of what service they claim we owe them for. We have had XXXX fiber for years now. 

XXXX keeps sending this account to collection agencies. The prior collection agency had a way to say " we contest this bill ; we owe nothing. '' The new collection agency, Sequium Asset Solutions , LLC offers no such possibility. 

We don't owe anybody anything. And XXXX has never indicated just exactly what they think we owe {$3000.00} for. That would be for years of service. Are we supposed to believe they just ignored our supposed lack of payment month after month for years, never contacting us, building up a debt of thousands of dollars, and then suddenly they needed the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09 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: IL

Complaint narrative:
I attended XXXX XXXX XXXX and the school fraudulently mislead students and the school went bankrupt and I know that some students got loan forgiveness but I attended before that date of forgiveness and i wanted to know what if anything can I do to also get my loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good morning This complaint is about experian, Because this company can no longer make money off of my credit file they lower my credit score negative XXXX points, Which places me in a high risk category where I will have to get 18 % loan or a high interest loan on anything that I purchase, When I try to contact them and ask them why they deducted XXXX points from my credit bureau score they really didn't have much to say, Then when I try to use their credit boost over XXXX XXXX try to help me put back my XXXX points, Their system would not allow me to use the boost it kept telling me to try back tomorrow try back tomorrow to I'll try back tomorrow there's an era try back tomorrow but it never worked these companies should not have the legal right to deduct points from you once you pay your bills on time and the credit is off, Just because they can no longer make money off of your file with that creditor, When I went to purchase something I was offered a 18 % in a 24 % because I was in the XXXX hundreds I just want experience to fix their credit system and stop placing us in harms way into staying in debt with high interest rates

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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX charges from XXXX XXXX  XXXX Texas were posted on my account. On XX/XX/XXXX is when I noticed I lost my debit card. I called Wells Fargo to let them know of the situation and they canceled the lost card. The morning of the XXXX I went and withdrew {$100.00} from an atm with the actual debit card and later that night I made another withdrawal of {$120.00} by way of digital wallet, because I noticed I didn't have my debit card anymore. So between both those atm withdrawals is when all the unauthorized charges at XXXX XXXX were made. Now with the new debit card I received to replace my lost one is now canceled completely for a year. I've called to find out why but they gave me no explanation on why I can't use my debit card.

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 2022-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
today XX/XX/2022 at about XXXX pm eastern time. I was trying to apply for a home depot credit card. when I finish the application online it gave me a reference number at the time. but in the app it told me to call XXXX. I had my daughter trying to help me in which she work for Citibank also. she let them know I needed a XXXX  person in which the young lady said she speak XXXX. after i gave her my information she put me on hold telling me she is going to look at the application then hang up. I call again the second person repeat the process again when I am trying to explain myself he was yelling and being rude with me then pause the call never came back. then I called again then third young lady speak so fast got my information to reference my application then told me my application was denied and my daughter tried to talk to her and was rude also. I am XXXX XXXX which my daughter and wife helps me with these type of things. This is unacceptable for an organization so big like you all. those representatives was very unprofessional with this call. I would like to file a formal complaint toward the unprofessional service I received.

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