vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfair debt collection practices by debt collectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that Discover Card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Mid XXXX our XXXX XXXXXXXX XXXX Rewards credit card was involuntarily transferred to Goldman Sachs AKA Marcus. Since that time, we and thousands of other former XXXX XXXX users have been unable to view our account on line as regards to charges, balances, rewards total etc. We have made at least a dozen attempts via internet and phone to correct this issue to no avail on line and receiving apologies and unfilled promises to correct the problem via phone. It is well over two weeks since we have been able to view anything regarding our account. We think you would agree this is unacceptable behavior for a financial company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Capital Bank threatened to and then did report debt causing multiple negative hits within one week to my credit report at multiple agencies while already accepting debt relief management for hardship program over a {$50.00} past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.

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 2022-03-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX  Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} MEDICAL ACCOUNT ( 2 ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: VA

Complaint narrative:
I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-02 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:
On XX/XX/XXXX I disputed Equifax on unlawful practice of reinsertion practices. After a previous dispute with EQUIFAX the matter has not been resolved in regards to the reinsertion policy nor did I receive documentation of the disputed item. I also never received documentation in regards to reinsertion from them as well. 
On XX/XX/XXXX EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute letter with on XX/XX/2021 XXXX, XXXX and Experian regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and Experian refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that was never investigated. 

Its been more than 30 days and the accounts in my letters are still reporting. 
Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.

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 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I've been disputing these dismissed bankruptcies that are being reported from Lexis Nexis to the bureaus with Lexis Nexis for well over a year and a half. The bankruptcies were dismissed and shouldn't even be reporting on my credit report and yet the company prides itself in reporting information that is legally not supposed to be reporting as it was dismissed and not discharged and yet even with documentations submitted towards this, the company still reports and validates this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: DISCOVER BANK
State: MS

Complaint narrative:
Discover bank {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX XXXXXXXX {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
I recently received a copy of my ( XXXX and TransUnion ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. XXXX Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, XXXX and TransUnion is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, XXXX and TransUnion, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.

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 2022-03-02 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: FL

Complaint narrative:
I recently received a copy of my ( Experian and XXXX ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. Reinsertion Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, Experian and XXXX is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, Experian and XXXX, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.

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 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Consumer portfolio services XXXX called me requesting information on my wife. I asked who they were and what the company did several times and it was never mentioned that they were a debt collector. I looked them up online found out they were a debt collector a called the number on the site to determine if this was legitimate or if the last call was a scammer. New call seemed legit and like there is an accountbut they told me they could not release any information except to her. After quoting the ftc site about the spouse they moved on. Then i asked for the details of tgedebt. They said they didnt have to provide that. I once again quoted the ftc site on requiments. They then offered to transfer me to someone who could provide those details. Requested details be sent in writing several times and they refused to provide unless we gave personally identifiable information to them. Since ive never dine business with them i refused and requested they provide XXXX required info in writing. When we left the call it doesnt not seem like they will honor the request per the statements on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
5 fraudulent transactions occurred on XX/XX/XXXX at XXXX # XXXX, XXXX XXXX XXXX, The XXXX XXXX XXXX ; all in XXXX XXXX, IL. Total for the transactions was {$670.00}. 

Immediately reported to Bank of America once transactions had been posted ( XXXX ). Bank of America denied the claim ( XX/XX/XXXX ) and I immediately followed up to appeal the decision. Fraud denial claims that a chip card was used and that these transactions were made at places I had been to before. I had the chipcard in my possession the entire time so this is not true and I have never been to XXXX XXXX, IL, or have made purchases from these specific store locations. 

The {$670.00} is coming up due for payment on XXXX and I should not be held responsible to pay for these fraudulent transactions.

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 monetary relief