vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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:
N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have for the past 3 months been trying to access my credit report from Transunion. I have submitted my passport id, my drivers license, my credit statement, my electric bill, my verification of address through their email and mail. 

I have no luck accessing my credit report through them. I have lost an apartment and had to pay double on a deposit in another because they couldnt get access through them. 

I have reach to XXXX and they said they couldnt pull one from them either but XXXX and XXXX can and they provide me the info. But certain places trust transunion and they will not give it

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I purchased a XXXX brand dryer from Lowe 's and it was delivered on XX/XX/XXXX. The sensors are damaged and when I tried to dry a load of towels, the sensors left the towels wet after 40 minutes. I then had to dry them again on high for an hour before they were completely dry. I called Lowes and they refused to help me, even thought i had the dryer for less than 30 days, and directed me to the manufacturer. This is a brand new dryer that hasn't worked from the first day they installed it. I have been emailing the manufacturer and they kept promising to send someone out to look at the dryer but no one has showed up. On XX/XX/2023, I disputed the charge on Lowe 's credit card carrier, Synchrony Bank. They agreed that the dryer charge should be disputed based on the fact that the dryer hasn't worked since it was installed by Lowes. Synchrony Bank kept the dispute open and kept saying they had " 60 days '' to resolve this dispute but refused to give me a resolution date. On XX/XX/XXXX, I contacted them through the message portal and said by law they had 90 days from XX/XX/XXXX to close the dispute. Today I received a letter from Synchrony Bank saying they closed the dispute because " the dryer had been delivered ''. I called Synchrony Bank and they reopened the dispute based on the evidence I sent them and I guess we start all over now and it's 90 days from today? Lowe 's refuses to come and pick up the dryer, XXXX won't stand behind their warranty, and now they closed the dispute and made me reopen it to purposed push the date out further. I have a feeling this is a sneaky tactic they do to push it out beyond the warranty date. I have attached the email string with the manufacturer showing the case number and promising to send someone to look at the dryer. I've also attached the message string from Synchrony, and finally I've attached the letter I just received stating they are closing the dispute because the dryer was delivered.

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
Consumer complaint received 2023-03-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-10 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : XXXX XXXX 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month 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 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : XXXX XXXX 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s )

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 2023-03-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I am filing this complaint towards Mohela because they seem to have a work ethic that does not speak highly of them. I have reached out to Mohela many times in hopes that they correctly update qualifying payment counts since they have accepted and processed the PSLF Forms I have submitted for all of my employers. 

On XX/XX/XXXX, once again I spoke to 2 different supervisors at Mohela by the name of XXXX and XXXX regarding the PSLF forms I submitted for various former & current employers XXXX, XXXX XXXX XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX. All the forms were processed however none of the payment counts were updated. The supervisors activated the forms to get processed once again and stated that once the forms were accepted and processed the qualified payments should have also been updated. The supervisors stated that it should take 14 days to get processed, but I have been waiting for over 2 months and Mohela has not resolved the issue they created. I should have qualifying payments since the year XXXX but Mohela has failed to provide that update to my loans. Dealing with Mohela is really a much cause for stress and my mental health is being affected to see that Mohela has not taken responsibility to update my payment count in a timely manner. I also see that only one month in XXXX was updated but many months have been skipped. 

My hope is that cfpb can reach out to Mohela on my behalf and request that they update my loans with the qualified payments going back to the year XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NV

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. 

Account name/Account # * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX ) * XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or 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 explanation
Consumer complaint received 2023-03-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Navy Federal Account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a debt collection notice by mail XX/XX/XXXX. On the same day, I disputed and requested verification of debt via online XX/XX/XXXX. I didn't hear anything back from Phoenix Financial Service. I reviewed my credit report today XX/XX/XXXX and Phoenix Financial Service Reported to XXXX and my credit report now show this alleged debt. I called and provided them the exact date when I requested to verify debt and dispute. I was told they allegedly sent verification XXXX. I never received any verification of debt. Collector I spoke to was hostile and was not letting me finish speaking. I told them they never provided verification of debt. Collector said it is for a medical bill from XXXX year XXXX. This alleged debt should be verified as requested, they never provided this. The collector 's threat is that they will just continue to repeatedly report to Credit Bureau if I dispute and before I could say anything she hang up on me. I double-checked the information provided to XXXX and found inaccurate information. 
In summary : - Phoenix financial Service never provided verification of debt. 
- Phoenix Financial Service states the alleged debt is for an unpaid medical bill year XXXX. 
- Phoenix Financial Service reported alleged medical debt to Credit Bureau, a debt that is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I came back from a few weeks out of Town. I checked my mails on XX/XX/XXXX and for the very first time I got this mail from Phoenix Financial Services Debt Collection at XXXX address : XXXX XXXX XXXX XXXX XXXX Fishers IN XXXX for the amount of {$2000.00} from a XXXX  XXXX XXXX Services way back XX/XX/XXXX. As far as I know I'm not aware that I owe any company or medical services such an amount. I never receive any bills from this company and from any collection agency in the past until this Letter from them dated XX/XX/XXXX for which before I even send back my reply -- They already sent a derragatory mark on my credit report. I have a good credit score history of XXXX plus then because of this my Bank alerted me of my credit report score declined due to this Debt collection report on my credit. I'm informed it's for an ambulance service for which I only had once in my whole life and it was medically necessary and I have a HEALTHCARE INSURANCE Benefits coverage throughout my life in the USA and it was covered and paid for by my medical insurance backed then because it was medically necessary ( i passed out ) Someone called the ambulance and I was treated in an emergency facility. Suddenly after too many years without getting any bills on that incident because it was all paid for as medically necessary this Collection Agency is ruining my life and I'm being destroyed that I owed this much. It's not right and it's not fair. Someone might be stealing my identity or using my past history to scam me? On that part I'm not sure what's going on but I'm totally disputing this action done against me by this collection agency. Please help inform and advise me on this matter. I need my credit report to get fix. I already disputed this to XXXX XXXX XXXX and in a process of filing a police report. I would need these Dispute reports confirmation document from your office to send to XXXX as they requested for it. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: FL

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent two update letters to XXXX, Experian, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

3. Validate AccounXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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