vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following hard inquiries done on my credit report : - 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 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 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 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 I have also contacted the above companies and they told me to contact Experian yet Experian refuses to comply with the above removals . 

This information is erroneous and against the law. I demand it please be removed immediately.

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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: UT

Complaint narrative:
I have asked Axos Bank to close my checking account since I have no use to it. They told me that it would be closed in a few days. However, Axos Bank has not closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We are currewntly getting a mortgage. In 2018 XXXX  XXXX placed a Negative entry on my credit report. For XXXX XXXX XXXX in the amount of {$900.00}. This account at XXXX XXXX XXXX was immediately paid in full the account closed. The creditor recalled the account number XXXX. A request was sent to the three bredit bureas to delete the item. XXXX XXXX deleted. XXXX deleted. Equafax refuses to delete the item. We have called them, confirmation number XXXX. We have filed 3 disputes. We have sent them letter by fax explaining this. We have sent them the letter from XXXX XXXX requesting they delete the entry as the account was recalled by the creditor. 
Our mortgage closes XX/XX/XXXX. WE MUST HAVE THIS REMOVED By EXUAFAX Please help me!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Repporting Act Convergent account XXXX XXXX XXXX acct # XXXX, XXXX XXXX 2 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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 an account without my written instructions.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed an old collections with XXXX XXXX on XX/XX/2022. This company sent information to EQUIFAX, whom I had disputed the account with a month earlier, allegedly verifying the debt. I previously disputed the collection account with EQUIFAX a month earlier. EQUIFAX falsely added the collection account back on to my credit report as a new collection XX/XX/2022 dropping my credit score XXXX pts. This is injuriously stopping me from buying a home and starting new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY 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

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 2022-04-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX BANKRUPTCY 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, Sent letters out to all 3 credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all 3 credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

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 non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I received an email from an individual XXXX XXXX on XX/XX/22. She was asking if she could order product from me as I am a XXXX XXXX. She sent me her order and then asked for my Zelle Account. I received an email from Zelle stating that she needed to send another {$200.00} so that I could upgrade to a business account. ( The original amount she said she tried to send was for {$300.00} ( the wrong amount to begin with ). I contacted my bank immediately to find out why I would be asked to upgrade. The bank said it was a scam. XXXX also sent me a phone number XXXX and her email address : XXXX. The email from Zelle came from : Zelle pay XXXX. My bank said it was a scam and I should delete all contact information from them. I wanted to send to you before I deleted. I continue to receive text messages asking me to email zelle and upgrade. 

Here is a copy of what I received : You only have to Enroll to a Business Zelle Account to receive {$300.00} from XXXX ENROLL TO RECEIVE Important notice : this payment has been withheld and filtered by our agents for further verification and has also been declared PENDING because we noticed the status of your Zelle account has been limited and hence not a business account so we cant initiate the transfer but we want you to contact the sender of the payment to send in an additional payment of {$200.00} to your Zelle so it can be upgraded and changed to a business account then the sum of {$500.00} will likewise be credited into your account effectively once the additional payment has been secured back to the sender. 

Note : XXXX has also been emailed regarding the HOLD on the transaction, your account upgrade because this transaction will be monitored by our withholding agents and also insured with a HARDCOVER INSURANCE POLICY You will receive a CONFIRMATION EMAIL or TEXT from our Zelle team informing you that the funds have been credited into your account. 

Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : //www.zellepay.com Zelle Logo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I took a 2 year promotional balance for a XXXX on an XXXX credit card.My understanding was that XXXX was supposed to split the payments equally, to be paid off in 2 years. However, after 2 years, I owed {$1000.00} and they charged me an additional {$1000.00}, and I now owe {$2000.00}, doubling the final balance that I owe. XXXX did not contact me to notify me that the promotion was ending. When I called multiple times to request if I could pay the final {$1000.00} and be done with the account, they refused. They were not transparent with their terms, did not split the payments equally and did not contact me to to notify me that my account balance would double. XXXX is a scam and I will never do business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: KY

Complaint narrative:
My account was deactivated with wise and the monies that was in there ahas dissappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 XXXXt has not satisfied debt. 29641** 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal credit union has restricted my account for there mistake, they have committed fraud against me and this was a legit account Im tired of being treated badly by this credit union, this defamation of character, they closed this account because I reported several months ago that navy federal credit union had almost open an account by using my personal information, when I reported what I found they pointed the finger back at me and then tells me whatever is owed on these acounts will be chanted to me, navy federal credit union has committed deceptive business practices I will also file a FTC complaint against navy federal for the bad business practices and fraud, I had that account for over 3 years I have never been treated with such disrespect I will seek legal assistance I will sue navy federal credit union for using my information illegally, they fail to take action when I reported that account that was being used with my name. Nothing was done but, they pointed the finger at me and told me that my account was closed due to fraud but navy federal credit union committed the fraud, they will held responsible for any charges owed sense in being blamed because this credit union is just that bad, poor customer service. Im a veteran I have been treated just that bad, they need to settle this with me before I file more complaints and hire an attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NC

Complaint narrative:
This debt is from XXXX XXXX I have never lived there. When I asked for proof of vaildation they ( Plusfour ) sent me a something that looks like it was written up on a spread sheet and some items on it was blacked out, while others were highlighted. When I tried to call to speak to a representative they told me they couldn't speak to me that they didn't have a license to collect debt in North Carolina. They told me that they had to send this to their sister company in South Carolina. When I sent a certified letter to them asking for proof my letter was returned to unknown sender. This has been on my credit report for a while and I have bee trying to get to the bottom of this to no avail. I purchased a car in XXXX last year and this has hindered my rate on my car purchase. First they told me the balance was XXXX and now its reporting XXXX, If I'm not mistaken I do believe they are violating state and federal laws by trying to collect more than what is owed according to information I have found on the website.

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 2022-04-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Nelnet, Inc.
State: MD

Complaint narrative:
I have a student loan account that is currently in Forbearance,. There are XXXX accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. This is NOT my account. 

Account number XXXX This account is not mine. 

I have also contacted the above company and they told me to contact Experian yet Experian refuses to comply with the removal. 

This information is erroneous and against the law. I demand it please be removed immediately.

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 2022-04-19 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: NY

Complaint narrative:
accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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 2022-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Multiple times a year Fifth Third Bank somehow cancels my automatic monthly online banking transfer payments to my mortgage and charges me late fees, and they only waive one as a bank courtesy when I have a perpetual never ending payment set up. They fail to provide me dual factor authentication for the online services they do offer to all the other customers. I called Fifth Third Bank about late fees for both XXXX and XXXX of this year and they hung up on me twice after I was on the phone for almost an hour. The 5/3 app frequently doesnt work, and dual factor authentication has been missing for me for years now. This is likely happening to other people who dont know how to report it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
XX/XX/22 - Sent a request to Lexis Nexis to remove incorrect information. 

XX/XX/22 - Received a response indicating that the reinvestigation was complete and the findings were verified. A link to the updated report was also enclosed. The updated /verified reports still includes major errors/ incorrect information. 

Record number 6 and Record number 8 in the Identification Records section are incorrect. 

And The following information from the Department of Driver Service Records... 

The information contained in the entry is 100 % inaccurate and does not belong to me! 


The name indicated on the record is not my name : XXXX XXXX XXXX XXXX. The date of birth indicated is not mine. 

2. The drivers license number is not mine.

3. The violation details do not belong to me. ( I have never lived in Arizona, visited Arizona, or committed any crimes in Arizona. )

Company response to consumer: Closed with explanation