vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or XXXX XXXX. I have asked Naitonal Credit Adjusters to provide me with verifiable proof to include my signature. I have been told by agent at Natioanal Credit Adjusters they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of TN nor is there a office in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XXXX My Gold and Arrival card are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, XXXX, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX 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  ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX  ), XXXX XXXX ( XXXXXXXX XXXX XXXX  ), and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.

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 2022-04-21 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: CA

Complaint narrative:
I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.

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 2022-04-21 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: CA

Complaint narrative:
I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MI

Complaint narrative:
I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Equifax is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Nelnet, Inc.
State: VA

Complaint narrative:
This loan was originally held by XXXX XXXX and sold to Firstmark on XX/XX/XXXX. I have since attempted on multiple occasions to create an online profile on their website in order to access my account and make payments. When attempting to register in their online system, I have received multiple errors stating my information is not recognized and to call their phone number. 

When the account was first sold to Firstmark, I was not enrolled in school, and several payments were withdrawn from my account, per the original payment agreement. Payments were made for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I have been enrolled in school as of XX/XX/XXXX. 

On two separate occasions I have called and received different instructions on how to resolve the issue. 
Phonecall # 1 : Can not recall date - Representative instructed me to enter all information in capital characters. This did not work. 
Phonecall # 2 : Mid-XXXX  XXXX - Representative informed me that my information did not match what was on the promissory note, and that I would need to send a letter with my account information and a scan of my drivers license to verify my identity. 

I provided this information in a letter dated XX/XX/XXXX. This letter was confirmed to be received by Firstmark on XX/XX/XXXX. In this letter I requested my information be corrected and I be provided a confirmation of such correction. I also requested a copy of my promissory note. As of filing this complaint, Firstmark has not responded to this letter and has not provided the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My closed Suntrust HELOC second mortgage account has a fixed rate balance which I have always paid on time, including extra principal payments monthly. The changeover to Truist has been a nightmare, and I believe I am being defrauded. Specifically, the highlighted XX/XX/22 statement scan attached, clearly shows that I was charged TWICE in one billing cycle for {$130.00} interest, both on XX/XX/22 and again with an extra principal payment made on XX/XX/22. Yet another payment made after this billing cycle, on XX/XX/22, shows XXXX interest deducted. I am certain that when I soon make another payment, they will yet again charge duplicate interest within the same billing cycle. Their computer system is not only incapable of applying additional principal payments correctly, it is breaking the law. 
Yet Another, second issue is that a partial month final billing from Suntrust had already charged me for approximately 10 days interest, then Truist applied overlapping interest to that with their first statment. A third issue, is that Truist is NOT applying extra principal payments as principal only. They are applying them to future month 's payments, and charging me interest from those future months at the time I am making extra principal payments! They are charging me FUTURE INTEREST! THIS IS NOT LEGAL, as there can not be a penalty for paying a loan off in advance, at least not in Florida.

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 2022-04-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went in store at Victoria 's Secret in XX/XX/2021 to purchase product. They did not have anything in my size, so I ordered it online through the store.i never received the product. So I called XXXX  and complained. They gave the run around about it finally at the end of the conversation, they said the order was cancelled and nothing should show up on my XXXX  credit card. So I didn't worry about it until I purchased another item and it I went to pay the bill and noticed the charge of {$110.00} was still on my account. So I immediately called the XXXX  credit card company, disputed with them twice. So this took over a month. They said there was nothing they could do. Called XXXX back a few times, didn't get anywhere. But one lady I spoke with said call XXXX  customer relations. Finally i thought it was going to be fixed. They credited partial payment. So I called again and again, finally got told it was going to be fixed. But in the mean time I acrued late fees and interest charges. They said they would credit the late charges. But during that time, more charges acrued. So I called back, and the lady told me everything will be fixed. And during this time, nothing was fixed and more charges keep piling up on my account. Case # XXXX & XXXX Now I have $ XXXX in interest charges and late fees still acruing ony account for something I never received and was credit not returned to my account in a timely manner

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a credit card through XXXX XXXX, which was formerly XXXX XXXX  at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. XXXX XXXX  said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure XXXX email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my Experian credit report and still see the 30 day late. So, I submitted a dispute through Experian, who left it the same post investigation. The bank is now XXXX so not sure if they have all the records. I logged in today to the XXXX XXXX and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, equifax and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on Experian and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to experian, XXXX and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.

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 2022-04-21 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: MD

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have had student loans being paid off since XXXX. Often forced into many forbearances, deferments or INcome based plans. I know I qualify for loan forgiveness as well as I am a health care provider since XXXX. I cant get anyone to tell me exactly how many forbearance periods i had or how many exact payments i have Made. I was Also forced to quickly accept loans from XXXX XXXX XXXX in XXXX. I want to know if any of these will be forgiven. I now owe about XXXX through whatever company bought navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MD

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MD

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-21 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 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 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