vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I received a dispute result ( Report XXXX XXXX ). Experian reported that it completed the investigation and has made updates. The only update Experian provided was a change in the Balance Date. This indicated that Experian did not investigate my account as I requested in my dispute. I requested an investigation due to a late payment being reported in error per the CARES Act. Per Section 4021 of the CARES Act, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. Such an accommodation includes modify a loan or contract. An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. I have attached the document that shows the furnisher providing an accommodation to my account. I have also attached documentation that shows Experian not performing an investigation of the account as required by the FCRA per 15 usc 1681i a ( 1 ) ( a ). If Experian did truly reinvestigate the account and the Balance date was updated, the balance on the account would have updated also. Experian has violated my rights by refusing to provide a proper investigation and updating the inaccurate information on 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
Consumer complaint received 2022-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient firmly XXXX XXXX has been aggressively trying to collect money from myself and my wife for student loans that were XXXX through my chapter XXXX bankruptcy. I demand a refund for all loans that Navient have been illegally collecting on since the discharge of my bankruptcy and removal of information from the credit bureau for myself and my wife. I will be including the Attorny general for Wisconsin in this notice. I was told by my bankruptcy attorney that this loan was discharged due to it being a non qualified student loan. I attended XXXX XXXX XXXX XXXXXXXX and having records from them showing that Navient is not a qualifying student loan company. 

Navient has been charging me many fees and interest for years, destroying my credit making it hard for me to make a living. 

Like other I have been lied to by Navient staff saying that my loans wasn't dischargeable through bankruptcy when in fact it was discharged and Navient was notified. 

Also after receiving the news about Navient recent lawsuit filed by my attorney general I called Navient and was told that I don't qualify. My loans all have been delinquent consecutively for years. The loan is a private loan and qualifies. Again I have been deceived by Navient and staff with lies so that they can collect more money from myself and my family. I am asking that the CFPB, Attorney General look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IL XXXX, Account # XXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 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.

Complaint narrative:
In my credit report showing active account which is i have not taken.. I have pay all loan amount with dues. then why they showing active account with incorrect proof or accounts. please rectify my credit report for good score. I have take loan which i repay on time. 

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 XXXXXXXX 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 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Ive been XXXX since XXXX I was released XXXX of XXXX and noticed when I went and tried to purchase a phone from XXXX XXXX XXXX XXXX that I dont know anything about

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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX IL XXXX, Account # XXXX, has violated my rights. 


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

15 UL.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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  IL XXXX, Account # XXXX, has violated my rights. 


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

15 UL.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 2022-06-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA issued credit in the amount of XXXX apparently using my identity in XXXX. In XXXX USAA then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with XXXX XXXX to report this fraud to do an investigation. Let me be clear, I have never done business with USAA and never been in the military which is apparently a requirement to do business with USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
It says the balance is {$2500.00} and the original amount was {$2600.00}, and that Ive paid 2 % of the total so far? I have never signed any documents or agreed to any terms and I have no idea as to how theyre saying that I have authorized payment And I did not sign any contracts opening this account on XX/XX/2021 I want a copy of the contract and a full un-redacted copy of the purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Charles Schwab Bank recently charged off a negative balance on one brokerage account for about {$660.00} on XX/XX/2022 from an error on THEIR END. THEY NEVER NOTIFIED ME OF THIS OR SENT AN EMAIL OR ANYTHING. NOW I TRANSFER IN {$800.00} TO MY ACCOUNT WITH BALANCES OF {$0.00}, NO NEGATIVES AND THEY TAKE MY WHOLE {$800.00} THAT I AM USING FOR RENT. HALF OF THEIR STAFF SAYS TO TRY USING MY CARD AGAIN EVEN THOUGH IT CLEARLY SAYS RESTRICTED. THIS IS A NIGHTMARE THEY WONT SOLVE IT BECAUSE SUPPOSEDLY THE MARGINS TEAM DIDNT LEAVE A NOTE ON THE ACCOUNT. THIS IS XX/XX/XXXX AND IM BEING TOLD MY ACCOUNT WAS RESTRICTED DAYS AGO WITH NO EMAIL OR TEXT OR CALL OR LETTER, JUST STEAL MY MONEY THE NEXT TIME I TRANSFER MONEY IN?!?! WHY WOULD YOU LET ME TRANSFER MONEY IN THEN?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.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 2022-06-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Financial Services
State: FL

Complaint narrative:
This loan amount needs to be removed as this vehicle was purchased from a buy here pay here sales company and sold without my permission in writing. Fraudulent sharing of my information or approval. This is preventing me from getting credit approvals and I don't have this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 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: Village Capital & Investment LLC
State: NJ

Complaint narrative:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. 

Under the CARES Act, stating " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX 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 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt in reference is incorrect. I received an email and letter stating the amount of this loan was reduced as XXXX XXXX XXXX  overcharged me for services and was refunding a credit to the account which has not applied as promised.

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 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.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 explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.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