vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent a complaint to this company for furnishing items unlawfully on my consumer report. I have not heard from this company, and they continue to furnish items that violate my rights as a consumer. 18 U.S Code 1341 Frauds and swindles. This company has no regards for federal law. I have accumulated multiple violations on this company 's behalf. Including 18 U.S Code 1028A aggravated identity theft, 18 U.S Code 872 Extortion, 18 U.S Code 880 Receiving proceeds of extortion, 18 U.S Code 1972 Racketeering, 28 U.S Code 4101 Deformation of character. That's not to mention the FCRA and the violations this company preformed by sharing my information 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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please be advised that I have already received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that have used a third party credit repair agency. Not only do I believe this to a way to prolong this investigation, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is another way to stall. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My XXXX payment to XXXX XXXX was made perfectly on time XXXX ( due XXXX ) and yet I was assessed a {$30.00} late fee on XXXX. They have rectified this after 3 phone calls. I am still concerned that my XXXX payment is only visible online in their system under the " Transactions '' tab but it is not reflected on my Statement... anywhere. Their excuse was a " system update ''. I am concerned that this could have happened to many more people and the CC company is raking in extra cash for bogus late payment fees. It is very sketchy that my XXXX payment is not reflected on my statement anywhere. I felt the authorities should know about this sketchy circumstance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, Money was being fraudulently withdrawn out of saving. I stated to bank that car was broken into and my money, atm card, and other personal item was stolen. I even gave them the police report for car being broke into. 
I never received a fraud alert or monthly bank helping my be alert of withdrawals until it was to late. Only bank statement I received were for XXXX when I realized money was being taken from me periodically. 

Bank denied my dispute. How can someone steal money from you and bank dont not want to help?

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 2022-07-19 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: TX

Complaint narrative:
I was applying for a car however more inquires came on my account without my use. 

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

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 2022-07-19 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: TX

Complaint narrative:
I was applying for a car however more inquires came on my account without my use. 

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

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity has been stolen for years along with every phone number that I have had. I just started a new bank account which I had trouble with even starting with my social security number in the first place but eventually the banker was able to process everything. 
Now, upon looking at my bank online I see that my account was accessed from a XXXX XXXX numerous times. I don't have and have never had a XXXX or accessed my information on one.

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 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown’s New Credit Bureau Inc.
State: MD

Complaint narrative:
To whom it may concern : This debt has never been validated or verified. I have no recollection of the addresses listed, I have no knowledge of the XXXX  disputes, I have no recollection or first hand knowledge of ever being in contract to do business with Brown 's collection Service. If the the true bill of XXXX XXXX received can be upload or the blue ink signature contract agreeing to this alleged debt is owed, I will agree to settle the account. If those particular documents can not be produced, I demand that the debt collector stop reporting on my consumer report and delete the account. This is beginning to look like we need to reach out to TIGTA in order to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Since XX/XX/XXXX there has been a COVID mandate where all student loans including Parent Plus loans should not be charged interest. We consolidated our Parent Plus loans FFELP with Navient XXXX of XXXX. We have been making our payments all through COVID and they have been charging interest and late fees. I called them yesterday and spoke to an off shore representative that told me that only the direct loans qualify not to pay interest. I would like all interest payments refunded to me. 
Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, Transunion, and XXXX proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.

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 2022-07-19 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: TX

Complaint narrative:
XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, XXXX, and Equifax proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB 1006.34, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: PA

Complaint narrative:
I used an atm located at a XXXX XXXX in Philadelphia on XX/XX/XXXX I use XXXX through XXXX they say they use XXXX XXXX an XXXX XXXX uses pay fare Atm is run by XXXX Atm malfunctioned the withdrawal was supposed to be for XXXX money never came out of machine and I was still charge XXXX I made a complaint against XXXX  with the XXXX XXXX XXXX an let bank know what happen so they can file a regulation E Atm company responded to me on XX/XX/XXXX an approved claim I let bank know but they never responded to me I email them Constantly no response I sent them screenshots showing the approval just frustrating because they say they say they dont take calls over the phone for this type of situation they only take emails Ive emailed them plenty of times and have never responded back to me XXXX said money shouldve been in my account 5-7 days they are very Unresponsive and very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Employers : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 CXXXX XXXX  XXXX Equifax Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

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 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
XXXX XXXX misleading me to believe I was going to be helped and get a good deal lower payments and no hassle transfer of vehicle, I was not happy in the end results of my purchase wich I was supposed to have lower payments and a better deal, I ended up with a vehicle double the value of the vehicle I needed help refinancing, also lost my trade in value and down payment of my first car. {$3000.00} dollars. They pretty much bought the car off me and stated a whole new purchase that confused me and my lender and no contact was ever reached with sales representative he never returned my calls and was never a available XX/XX/2021 was the date of the new purchase that was supposed to be transferred not start all over with no down payment credit unbelievable scam

Company response to consumer: Closed with explanation