vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: NCB Management Services Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 2023-02-01 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had a CD with Marcus Bank. I called to give closing directions at maturity. 
The bank clerk accidentally closed my account that day and created a XXXX early withdrawal penalty, I called the bank and they agreed they made a mistake. It's been one month and they have yet to pay me the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: CA

Complaint narrative:
The following credit inquiries dont not belong to me & this is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed my account with Wells Fargo after banking with from XXXX. Last overdraft I attempted to dispute the charge that took a significant of portion my check. It shouldnt have due to the fact I had direct deposit the following day. Im not going to argue with a financial institution with access to my money. Ultimately, closed my account and changed banks. Ive also had instances fraudulent charges to checking accounts I asked to be closed or have the account number changed. I have yet to encounter constant overdraft fees from holds from the bank I am at now. With my account from being closed at Wells Fargo Im not sure how to proceed with seeing if I am entitled to the settlement by going over documents. Claiming email correspondence is not secure from the financial institutions website/application also seems like it could make keeping documentation difficult.

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 2023-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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

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 2023-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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

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 2023-02-01 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: CT

Complaint narrative:
Commenity Bank sent me a letter on XX/XX/23 stating that they had reversed an interest charge for my account of {$130.00}. On my statement that closed on XXXX the charge had not been reversed. In addition i filed a complaint about XXXX XXXX making two charges of XXXX that I did not authorize. Only 1 of the 2 charges was reversed on my statement. When I called the person taking my call did not say he would reverse the charges he said he would put in a request to reverse the charges. Also there was a returned check fee of {$28.00} that has not been reversed. I sent an online payment on XX/XX/XXXX and when I received my credit card statement on XXXX I was shocked that the payment was not posted. I called Comenity at about that time and they claimed that they had not received the payment and told me to check with my bank. My bank suggested that I stop payment on the online check. I agreed to stop payment and then I mailed Comenity a replacement check. 

I called Comenity customer service and told them that I had stopped payment on the check and reissued and not to cash the first check but I was still charged a return check fee of {$28.00}. 

I need my account credited {$130.00} for interest plus {$28.00} for a returned check fee plus {$130.00} for the unauthorized XXXX XXXX charge.That is {$290.00} plus the {$10.00} of interest that was charged on the last statement because my account had not been properly credited to begin with. Please credit my account {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX Remove this account for failure to investigate and blatant inaccuracies. 

Enclosed is : Your new update from XXXX XXXX XXXX. Yet again reaging the Charge off by saying XXXX  for both XXXX and XXXX XXXX. There is no high balance, so it's not possible to owe anything XXXX. Now XXXX submitted that XXXX paid, XXXX late but that's not even possible when acct was open XX/XX/XXXX! 

XXXX  report from XX/XX/XXXX off direct Experian data XXXX showing no late payments in payment history for XXXX to XXXX. It just went straight to Chargeoff being reported for two months, XXXX and XXXX Again illegal reaging XXXX. There's no activity date reporting. That's not possible XXXX. In the derogatory info, it says XXXX and XXXX as 90 days late. It can not be 90 days late and also a chargeoff, nor can it go from nothing straight to 90 days without XX/XX/XXXX prior, nor can it report 90 days two months in a row. 

XXXX  credit report showing no closed date. This is being reported as open and chargeoff can not be open. 

They have had numerous chances to properly and legally report this as accurate and it has continued to have major inaccuracies for over 45 days now. 

Remove this account. I have provided proof from your own bureau and what is supplied when my Experian report is pulled. There's nothing on any of these enclosed reports that show it was verified, and your automated system keeps saying over and over that it was verified but it wasn't Also why the comment section isn't disclosing that I have filed disputes when it's required fcra. 

I want an update credit report mailed to me showing this account removed please

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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.

Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
This company was on my XXXX  and XXXX report. I sent a letter requesting debt validation in XX/XX/2022 and did not receive validation. This company deleted the debt from those credit reports. Now I see that they are reporting on my XXXX report and still have not sent any validation that the debt is mine.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a notice that I owed a debt from national credit systems. The letter stated that I had until XX/XX/XXXX to dispute the debt. I sent a dispute letter via usps to the national credit systems on XX/XX/XXXX. The letter was delivered on XX/XX/XXXX ( I can provide the tracking number if needed ). I have not received any response from the company at all. Today XX/XX/XXXX I received an alert of a new collection on my credit report. I do not know what this debt is for and I have not been granted the proper response from this company. This is completely unacceptable! 

Here is a copy of the letter I sent previously : Dear National Credit Systems , Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX  : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.

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 2023-02-01 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: SC

Complaint narrative:
There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXXXXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Every time I visited a Wells Fargo branch they would use high pressure tactics to have me open new accounts. This happened every single time I visited every different branch and I opened multiple checking and savings accounts and money was withdrawn from my account from XXXX to XXXX. I would estimate hundreds of dollars every year from three accounts I did not need. Thank you for your help. 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 explanation
Consumer complaint received 2023-02-01 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ollo Card Services has not updated my account balance since XX/XX/XXXX so the card utilization continues to appear extremely high. The card balance was paid off XX/XX/XXXX, with additional payment made XX/XX/XXXX. I contacted customer service on XX/XX/XXXX and inquired on their reporting, asking if the company reports to all 3 credit bureaus, the representative replied yes. I then asked why my account hasn't been updated and she said they are experiencing a technical glitch in their reporting system. She then placed me on hold so she could speak to a supervisor. When she returned to the phone line, she informed me that they were unable to expedite my request for my account information to be updated and I would have to wait until their system is corrected.

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