vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: TX

Complaint narrative:
I was phished by the spammer, XXXX, when I knew that my flight from XXXX to XXXX was canceled by XXXX XXXX XXXX XXXX XXXX for " mechanic reasons '' one day before the flight date. I was in panic mode and googled XXXX costumer service. The phishing number from XXXX popped up on the top of the XXXX list. I called the number and " XXXX '' pretended that he is XXXX representative. He got my Discovery Card information and associated personal information over during the conversation and charged me {$3400.00} for " changing/rebooking '' my original XXXX flight tickets that were booked from XXXX. After the conversation with " XXXX '', I called XXXX with the number from my original ticket to complaining the " charge ''. XXXX representative told me that it should be free for changing the ticket for cancelling ticket due to the XXXX reason. Soon XXXX sent me the new e-tickets and showed it is free charge. Meanwhile, " XXXX '' sent me the email to ask me to reply with " agree '' to pay the charge. I refused. I traveled backed home two weeks later and found the charge on my Discover Card ( DC ). I called DC for disputing the charge for {$3400.00}. After several rounds of disputes with all evidences including the emails, my XXXX tickets, complaints from public domains for spammer ticketsupportdesk.com, XXXX service number and Business-class number that DC can call to confirm the free charges for rebooking the my tickets, etc. I provided to DC, DC still insisted that I should pay the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: 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 XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # : 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 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 2023-03-18 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXX, XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX, PXXXX XXXX acct # : 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 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 2023-03-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian boost keeps my credit score artificially lower than all others because I refuse to purchase any products from them. When I removed accounts from their boost product my score immediately decreased seven points. This even though no negative information happened on my actual accounts. The information is fraudulent & untrue. Nothing happened to my accounts to force a score reduction & other agencies have raised my score higher than Experian with the exact same activity. My actual credit usage has gone down not up as Experian reported.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to get Experian to remove inaccurate, false and misleading bankruptcy information from my consumer report and they refuse. XXXX  deleted a

nd discharged the inaccurate information, however, Experian continues to report it. Now my consumer reports have inaccurate information and Experian is failing to ensure my consumer report contains accurate information. Experian also failed to reinvestigate the disputed item which is required by law. They are defa ming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission. They failed to provide me with written proof of the validation of a previous dispute regarding reporting a bankruptcy on my consumer report. I asked for them not to send me a templated response and provide all documentation
pertaining to the dispute. I only received a templated response.

DO NOT CLOSE THIS COMPLAINT. IT IS NOT A DUPLICATE.

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 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion claims that XXXX  # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The attached correspondence has been attached. 
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 # 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 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 2023-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have a " spending '' account and a savings account with Chime. I have {$100.00} in the " spending '' account and {$250000.00} in the savings account. I called customer service on XX/XX/2023 to close both accounts and was told it would take 30 days to process my request. Then they slipped in the phase " 30 Business days ''. Nothing happened. I called again on XX/XX/2023 and asked again to close both accounts. I received various emails asking me to confirm my mailing address and the last four digits of my Social Security number. I was told the account would be closed in 5 days and it would take up to 30 days to process my request. I checked my balance this morning and it appears that both accounts are still open. Please help me close both accounts as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX Lvnv Funding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to get Experian to remove inaccurate, false and misleading bankruptcy information from my consumer report and they refuse. XXXX deleted and discharged the inaccurate information, however, Experian continues to report it. Now my consumer reports have inaccurate information and Experian is failing to ensure my consumer report contains accurate information.

Experian also failed to reinvestigate the disputed item which is required by law. They are defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission. They failed to provide me with written proof of the validation of a previous dispute regarding reporting a bankruptcy on my consumer report. I asked for them not to send me a templated response and provide all documentation pertaining to the dispute. I only received a templated response. 

DO NOT CLOSE THIS COMPLAINT. IT IS NOT A DUPLICATE.

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 2023-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: MA

Complaint narrative:
Two years after I received a payoff quote, paid off the car, and completed my obligations to VW Credit, VW Credit will not release my title They claimed that my odometer statement was not done correctly. 
I re-sent the same odometer statement that I sent originally, with no alteration. 
They said I would get my title in 4 to 6 weeks.

Two months later and they hadn't sent the title. 
They claimed it was their vendor 's fault. 
I looked for VW Credit on consumer databases including this one, and found that they have withheld titles from many people after payoff. 
I looked for legal advice about getting my title back. 
I got a bizarre call at home in which a representative for VW Credit told me that I am obligated to tell them the name of any attorney that I speak with. 
I entered this complaint, along with a transcript of my interactions with VW Credit two years after payoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I received a late notice. My payment was mailed through the XXXX. The payment was lost by the post office. I informed Toyota that the payment was lost. They refused to remove the 30 day delinquent from my credit report. If you check my credit history I have never had a late credit fee or charge ever on any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: LEXISNEXIS
State: NJ

Complaint narrative:
I recently complained about LexisNexis reporting to XXXX a bankruptcy on my credit report. LexisNexis advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to XXXX. On XX/XX/XXXX LexisNexis advised on their website that they stopped reporting to XXXX in regard to bankruptcies. LexisNexis responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. XXXX needs to delete the bankruptcy off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Hello, On XX/XX/XXXX I opened a Comenity/XXXX  Credit Card I made a charge in XX/XX/XXXX and paid it off in full in XXXX and closed my account for good measure. 

This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 
XX/XX/XXXX - {$100.00} delinquent payment XX/XX/XXXX - {$140.00} delinquent payment Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. 

My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

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 explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
During routine review of credit report found account from Vance and Huffman. Contacted company verbally and requested debt validation. I was told to submit a dispute in writing for debt to be resolved. Company did not provide debt validation. Followed with XXXX certified letters which company signed for. Both certified letters requested debt validation as required under Fair Debt Collection Practices Act. Have followed with multiple phone calls as debt validation was not provided. Company did not send dunning letter as required informing me of right to dispute prior to placing debt on credit report. Rights under the FDCPA have been violated.

Company response to consumer: Closed with explanation