vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
See previous complaint filed and response. 
The company now confirms there is/ was an account The complaint requests the financial documentation on the fund disbursements Who go the money, not a PDF application without Identification nor signatures. 
The question is to verify the account with substantiating paperwork and records, namely a cancelled check or account statements. Where was the money deposited into what account. The question remains the validity of this account and my name on it. The complaint is not satisfied by simply saying they were not required to report to the IRS. Is this an account in the first place. Prove the money was disbursed and to whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
In accordance with the Fair Credit Reporting Act 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 an 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. An inquiry ( listed below ) was placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquiry is still on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ), ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this disclosure to opt out, and I am demanding Experian remove the above inquiry from my consumer report, immediately.

Attachments : the cover letter sent for Inquiry removal FTC report filed Green receipt from Experian I suggest Experian remove this inquiry from my consumer report before I take legal action.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

T

his company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-05 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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received my paper statement in the mail today and noticed that XXXX 's ( Comenity Capital Bank ) charged me a {$35.00} late fee on my bill. The bill was due XX/XX/2022, the payment was made XX/XX/2022 a little after XXXX that evening, the payment was processed XX/XX/2022. I called in and spoke with a representative who refused to remove the late payment after I gave her notice that XXXX 's was violating my consumer rights on my open end consumer credit account. I then asked to speak with a supervisor. I spoke with XXXX # XXXX, whom I explained that a late fee is a violation of my consumer rights and I refuse to pay any illegally added charges and he pretty much laughed and told me they are not federally regulated by anyone because they are a bank and their terms and agreements trump federal law. I asked XXXX who are they regulated by and he proceeded to tell me no one, they were not violating my rights, and they will not honor my demand. He also stated that I shouldn't have called to remedy the situation, just don't pay my bill, contact legal, and contact the Attorney General if its an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
please remove the personal information that i dont want on my credit file according to fair credit reporting act 15 usc 1681 i have the right to privacy and also according to 15 usc 6802 no financial institution is suppose to share my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: AL

Complaint narrative:
COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX ( GEORGIA )

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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and THIS IS NOT A DUPLICATE COMPLAINT AGAINST LVNV FUNDING/RESURGENT CAPITOL, ( and not the same complaint as complaint # XXXX that is submitted through this portal ), but yet another/different complaint against this company for violating a cease & desist sent to them on XX/XX/2022, via certified mail with tracking # XXXX marked as delivered on XXXX at XXXX. ( certified return receipt attached labeled Exhibit B ). LVNV Funding/Resurgent Capitol has violated my rights to privacy as a consumer, and is in violation of the FCRA and the FDCPA. According to 15 usc 1692c ( C ) LVNV Funding/Resurgent Capitol is in violation by continuing to contact me via USPS after receiving a cease and desist. The Law states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt OR that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector SHALL NOT communicate further with the consumer with respect to such debt, EXCEPT- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ''. The law goes on to say, " If such notice from the consumer is made by mail, notification shall be complete upon receipt ''. Attached and labeled as Exhibit A are scanned copies of LVNV Funding/Resurgent Capitol sending a total of five ( 5 ) different correspondences/letters ( a total of thirteen ( 13 ) pages ) ( last page with violations ) to my address, all dated for the same day of XX/XX/2022. It is obvious that this must be a computer generated error. Nevertheless, LVNV Funding/Resurgent Capitol is responsible for this error. It is my belief that LVNV Funding/Resurgent Capitol has blatantly disregarded not only my request to cease and desist, but also the Federal Laws by continuing to use unfair, unlawful, abusive debt collection practices. This company is also reporting this same account as closed on XXXX and XXXX, and reporting as a collection account on XXXX. All of this activity and inaccurate reporting is causing me much stress and harm, not only to my health but also to my financial reputation and is also a violation to my rights to privacy according to 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pivot Financial Partners, Inc.
State: CA

Complaint narrative:
Pivot Lending is collecting property taxes in an escrow account and not paying them. I am now responsible for the late fees and taxes and they will not respond to calls or emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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, XXXXXXXX XXXX ( Account number ending : 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 an 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 2022-05-05 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 XXXX ( Account number ending : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Earm LLC
State: TX

Complaint narrative:
I received a text and a call that I had 24 hours to respond to the phone call about my account ( very vague did not mention account name or type ) and left a number for me to call. 

I returned the phone call and it was third party called MAC XXXX XXXX  XXXX XXXX I called and let them know that the debt was included and discharged through Bankruptcy. The representative said that he didn't care, this wasn't about bankruptcy, this was about me writing bad check and that if I didn't pay they were going to prosecute me for writing a bad check. He then went on and told me I had 7 years to pay this debt and that if it wasn't paid in the next 24 hours he would file a complaint with the county court. 

After explaining to him that i was no longer liable for this debt because it was included and discharged through my Bankruptcy. He stated " I don't care, you need to learn how to pay your bills. '' and then hung up on me. 

I called back to try and explain the situation and every representative taunted and stated " pay your bills!! '' and proceeded to hang up. 

I keep receiving text and automated robotic phone calls stating I have 24 hours to resolve this issue and leaves the same number for me to call.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have XXXX private loans through Navient. In total I owe {$90000.00}. My interest rates are 9.25 %, 10.25 %, 11.125 %, and 11.13 %. The cost of each loan combined a month is {$850.00}. I've completed multiple financial statements with Navient to prove I can not afford the monthly payments, I have not been able to get it reduced. I make {$60000.00} a year with getting paid {$1300.00} biweekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was cashing a check to somebody and it was my first time cashing a check and I had sign the check with my name not knowing that it had to be the other person name and it had close my account saying I was doing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
Key 2 Recovery INC are attempting to EXTORT me and DESTROY my name as well as credit. Key 2 Recovery and I have never entered into any contractual agreement. They are attempting to EXTORT me out of {$670.00}, in doing so they have been calling harassing, bulling, and threatening me and my family about this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed transunion - XXXX and XXXX first went delinquent in 2015 - cant stay on XXXX after opened was paid in full due to insurance coverage

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted LexisNexis requesting that my information be suppressed and blocked, I received an email saying my information was suppressed as I requested. On XX/XX/XXXX, I applied for credit with XXXX XXXX and received a denial, stating they reached this decision based off of a report they received from LexisNexis company. This is a direct violation of numerous Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: LA

Complaint narrative:
On XX/XX/XXXX i received a packet from XXXX  XXXX XXXX which included a credit card in my name and the account was opened and already had a {$59.00} dollar fee on the account. I did not fill out an application for this card. A letter was enclosed saying that they received XXXX applications from me and approved only one and deleted the other. I called XXXX XXXX XXXX and told them that i did not apply for this card and it is fraud. They closed the account and i cut up the card. I pay a fee to XXXX to monitor my credit, I also had my credit locked. This means if i even apply for any loan it will be denied because of the lock on my account. Although XXXX caught the inquiry and flagged and deleted it, the inquiries still went on my Transunion and XXXX credit report as a hard inquiry. I called Transunion and XXXX to get each of them monitored to let me know if any inquiries come from now on. The inquiry from XXXX  XXXX happened on XX/XX/2022. Bank info who made inquiry is XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX. Their phone number is 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 2022-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Received a text message that a credit account was opened at Bank of America under my name. I do not have a Bank of America account.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( two accounts ), XXXX XXXX XXXX ( XXXX XXXX  ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CA

Complaint narrative:
Professional Debt Me XXXX XXXX XXXX  XXXX, Fl XXXX XXXX Balance : {$300.00} Date Open : XX/XX/2020 Someone stole my identity, I am living in California and this company is in Florida. This account is not belong to me. And I have nothing to do with XXXX XXXX XXXX. Now the debt is show-up in my credit report for an unpaid balance. Please help me with the case. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
Involved with XXXX XXXX XXXX for debt consolidation and paying the company to handle all debts including the debt with Regional Finance. Regional Finance was informed of this and continues to contact my personal and work place.

Company response to consumer: Closed with explanation