vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
Made payment back in XXXX and attempted to set up auto pay. Obviously that didn't work as we now have been reported for XXXX days past due. We spoke with Sallie Mae on XX/XX/year> in an attempt to resolve the issue but couldn't get past the customer service rep. We explained that we thought the account was on autopay & offered to bring it current and set up auto pay over the phone immediately, we just wanted the XXXX days removed from the Credit Report. We were then accused of never trying to set up auto pay as they could see things on their end. Tired of dealing with it, we asked to speak with a manager & we were refused and instead given an address to send a dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Why my score down XXXX points, if no have any changes in my financial situation? 
My score was XXXX and Experian down XXXX points on XX/XX/2024. 
All my records are very clean. 
I call Experian, XXXX and XXXX, and not have answer. 
Thank you

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 2024-12-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NY

Complaint narrative:
The. Company is Direct Express. They have shut down my account, card, and ability to look at the account online. I have sent my ID card and other forms of identification and still they have not released my funds that are from social security. 
They have been withholding funds for 3 months or more now and I hVe told them to send it back to SSD acct so I could have them put in my bank account. Dealing with this company has been a nightmare and SSD has not helped at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I never authorized nor signed any documents for this company to collect any debt. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
My statement dated XXXX with due date of XXXX balance was {$45.00}. I paid {$45.00} on XX/XX/year>. They then billed me {$2.00} for fees on statement XX/XX/year> with due date of XX/XX/year>. I disputed this and they then charged me with a return check fee of {$30.00}. I provided to them my bank statement and a letter from my bank stating that there was never a return check to them.They then charged my account late fees for the return check fee how ever credited my account the fees that I never should have been charged. I have requested for my account to be closed with them so I do not get any additional false charges. However, I have requested for the return check fee to be removed, and now also the late fees that I never should have received since I never should have had a balance. Now they are saying they can not credit my account because I closed it. I went from having a zero balance of paying in full on XXXX to now having a balance of XXXX when I haven't even used my card. I ask for help with resolving these charges that I never should have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
I opened up this loan XX/XX/XXXX. I have been paying for 5 years on a used XXXX XXXX. I feel like because of my credit history I was taken advantage of. To date everything I still owe almost {$20000.00}. I feel that the because of my credit background I was charged unfair and illegal interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts listed on my credit report. My personal information, including my Social Security number, email address, and phone number, has been compromised in multiple data breaches over the years, leading to fraudulent accounts being opened in my name. I am requesting a thorough investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and immediate removal of these inaccurate entries from my credit report. 

Disputed Accounts : The following accounts are being disputed : Midland Credit Management Opened : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Opened in XXXX Should have been removed from my credit report due to the XXXX reporting period under the FCRA. 
XXXX XXXX XXXX Opened : XX/XX/XXXX This account was illegally placed onto my credit report by a landlord. 
These accounts do not belong to me, and I have previously disputed them multiple times without resolution. I am requesting their immediate removal from my credit report. 

Background of Data Breaches : XXXX XXXX Breach : XX/XX/XXXX : XXXX disclosed a breach that compromised sensitive personal information. 
XX/XX/XXXX : XXXX experienced one of the largest breaches in history, exposing Social Security numbers and other personal data. 
XXXX XXXX XXXX ( XXXX ) : My email address and associated personal details were exposed in a breach affecting millions of users. 
XXXX XXXX XXXX ( XXXX ) : Personal information, including contact details and email addresses, was leaked during this incident. 
XXXX and XXXX XXXX Breaches : My information was further compromised during breaches involving these agencies. 
Legal Basis for Dispute : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information in my credit report. Additionally : 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) obligates furnishers of information to report accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
On XX/XX/year> they repoed my XXXX XXXX the wrecker truck picked up my car I wasn't even notified. It was very very surprising moment. I didn't received a phone call, Emil or letter from Nissan Motors. The guy towed the car the car was sold I'm guess at auction. Then months later I see a repossession on my credit report for XXXX plus on my credit report which today is still being reported. I was the co signer being blind sited.This company received a check from the XXXX XXXX company. So the amount they're saying we owe is incorrect. THEY got a check and never notified me of it .And attachedment was sent to CFPB.In regards to Nissan Motors receiving a check from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B of the fair credit reporting act

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I was hacked and can no longer access the email on my cash app account $ XXXX and I reached out to cash app and even though it is in my name and my social they will not give me access to the account. I also have the cash app card. I have filed a police report, about this situation. There are crypto funds on the card including XXXX. Cash app refuses to work with me and says they will only respond to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, we transfer {$2000.00} to our landlord with a wrong phone number, XXXX, his correct number is XXXX, the recipient name is still his name. XXXX XXXX  refused to refund the {$2000.00} even the wrong number doesn't match the recipient name. XXXX XXXX  's excuse is that the wrong number is not created by the sender, it is in an instruction in the email that was sent my landlord My claim is that XXXX should refund because the wrong number doesn't match his name, even the phone number was wrongly typed by in the instruction email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Payment from My PNC Bank account were debit from the account more than once but processed again on both of the checking accounts. However the first payments were removed from the transaction history but were not credited back to my accounts The payments involve a payment to XXXX XXXX for the amount of {$180.00} for one checking account that was debited from the available balance on XX/XX/XXXX and in processing on XX/XX/XXXX. XXXX XXXX confirmed that the payment was received on XX/XX/XXXX with a PNC Bank representative on phone named XXXX. However the payment was debited from the same account XX/XX/XXXX without any record of the first payment. Furthermore a payment to XXXX for {$170.00} dollars was debit from the available balance on the XX/XX/XXXX and was removed from the account history on the XX/XX/XXXX and was debited from the account on XX/XX/XXXX. PNC Bank are making adjusted at the end of business day at settlement and the mobile could be displaying incorrect information causing the account owner financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: SC

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.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to protect my private information. On XX/XX/year> XXXX XXXX issued an Executive order to protect the sensitive and private information of all Americans. The Executive Order focuses on Americans ' data security, sensitive information, including genomic data, biometric data, personal health data, financial data etc XXXX extorted the use of my credit by conspiring with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. UNDER the law 18 USC 894 this is a violation of Conspiracy. The law clearly states that whoever knowingly participate XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, is a Third-Party Collection Corporation XXXX It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX XXXX XXXX has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as 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 by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Accounts opened in my name that I never applied for. Identity fraud. The companies that I know of are contacted and they closed the accounts. BUT obviously my information is being used to open accounts. I did freeze my credit with the three bureaus, but I am reporting to you for follow up on how these accounts could be opened. And with Checking/Savings federal law requires identity to be verified and I wonder how that was legally done? 
XXXX Capitol One On the flip side, XXXX XXXX sent me a letter saying an account was attempted to be opened in my name but THEY couldn't verify it so it was not opened. Interesting that one bank did its due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting an investigation into XXXX Credit Bureau, as they have violated the Fair Credit Reporting Act by willfully failing to investigate. XXXX is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Creditors in question : 2 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I filed a dispute on the XXXX website for the four accounts listed below. In that dispute, I advised the credit agency I believed these accounts to be inaccurate and requested the following documents be provided to me as part of the investigation to validate these debts : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain. 

On XX/XX/year>, I received an update from XXXX via email, advising the investigation had been completed and the debts had been validated. However, the requested documents were not provided to me and no evidence to support the investigation outcome was provided within the 5 days of the completed investigation, as specified in the Fair Credit Reporting Act. This is willful non-compliance. 

On XX/XX/year>, I sent a letter to XXXX via certified mail, again requesting documentation to support this investigation, referencing 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( which relates to consumer disputes of information on a credit report ). 

On XX/XX/year>, I conversed with 2 different XXXX representatives who advised they were unsure of why the documents had not been provided and one representative advised me to file a report with the FTC in order to get these errors removed from my credit report.

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