vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out to you to help me with my Experian credit report. I am a natural person, and I have proof that Experian has violated my rights by allowing this negative account to report on my credit report. 
In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXXXXXX, account number : XXXX. 
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.

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. 1681 section-2 ( A ) ( 1 ) A person ( CRA ) shall not furnish any information relating to any consumer reporting agency if the person ( CRA ) knows or has reasonable cause to believe that the information was inaccurate.

Also, this collection is only reporting to my EXPERIAN credit report ONLY, as of 09.22.2022. It's not the same across the 3 bureaus, i will attach my credit reports and screenshots of my scores as well. I have no knowledge of this account and it is making my reputation look bad and not trustworthy. I have sent letters asking and demanding Experian investigate this account and remove it but have not gotten any response from them, so I had to file a complaint with 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I submitted a mortgage application. After a credit check, we discovered the credit bureaus sold our information as a result of the credit inquiry. We have been bombarded with calls and text from companies all over the US asking about our mortgage. This is a shock to me that the credit bureaus can sell our data. Ive written a complaint to my congressman as well. Is this a legal practice? If so, what is the federal code that allows this unethical practice? 

Regards, Very upset in the data breach XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am trying to resolve a dispute for an incorrectly charged amount. I followed the steps directed by the Bank. They closed my case stating we did not answer the phone, so they closed the case. I called and asked why they closed it, and I asked to have it reopened. They refused saying it needed to be done in writing. My initial dispute was done by phone, so not sure why now it has to be in writing. I asked for a supervisor they said one was not available. I asked for their name and ID and they advised they could not do so. 

After a while of going back and forth they decided to help me. They called the merchant ( Frontier Airlines ) about a {$680.00} dollar charge that should of only been around {$370.00} dollars. I have made several attempts to resolve with the merchant to no avail, and they will not or have not provided an itemized breakdown of the charges. While on the phone the agent made several attempts to reach the merchant, and they are unresponsive and are not cooperating. The agent still would not reopen my case and said I needed to submit it in writing and restate everything that occurred on the phone which should be documented on my account.

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 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX literally blatantly told a lie and stated Santander verified the debt as accurate when they just told me that they can not find the debt. So someone is lying personally I do not care who is lying. I attached both repsonse which doestn make sense because how can they be verifying the debt with XXXX but telling me that they can not find or locate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went to apply for a car an was never told all these other inquiries would be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NJ

Complaint narrative:
I went to apply for a car an was never told all these other inquiries would be 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 non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was attempting to purchase XXXX on the CashApp application. The company asked me to link my debit and bank account numbers, and upload a photo to the app along with a picture of myself. They took the information and blocked my account from making any additional transactions that would allow for my account information to be safeguarded. When I called and asked for an address for a corporate office to make sure that the business is legitimate, they hung up on me. They now have my bank account information and a copy of my driver license. I fear that they will attempt to use that information for financial gain. I would like to report that this company is phishing for personal data of the people who use the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank sent me a text message on Tuesday XXXX XXXX alerting Fraud suspicious activity, the text message asked did you attempt {$620.00} at XXXX with card xxx? Reply Yes or No. I replied NO and I got a reply the card was locked and to call the number and open a case, case # XXXX The bank debit/credit card was stolen from my wallet on Tuesday XX/XX/2022 and XXXX transactions were made on Tuesday XX/XX/2022 at XXXX XXXX XXXX XXXX PA one transaction for {$790.00} and the same store again for {$800.00}. I do not live in PA I live in NJ. I never make purchases this large. 
I filed a dispute with my bank that my card was stolen and these were fraudulent charges. The bank investigated and said they believe its not Fraud and will not return my {$1500.00}. 
I have filed a police report with the state of NJ about the stolen credit cards and my bank will still not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: KY

Complaint narrative:
We have the property for sale with an agency, The XXXX XXXX XXXXXXXX in Florida since XXXX. Previously it was with XXXX XXXX XXXX from XX/XX/XXXX to XXXX have had many sale contracts that all get cancelled because the property does not pass inspection. It is now listed cash only, As XXXX, short sale. Up until XX/XX/XXXX, we had someone keeping up with landscape and keeping inside house clean for visits. Then the lender mortgage company, without warning, changed all the locks, broke the side window door and put up some plywood to quick fix. Rain in Florida infiltrated and caused water damage inside house. 
With every sales contract, there is an inspection and appraisal. The lender had these done but won't forward the results to our agent. The last sales contract could not get an appraiser and while revisiting house, noticed all the water damage around the broken window door and cancelled sale. 
Our agent signed another sale contract with closing date set for XXXX XXXX. 
The lender said that if the buyer doesn't have all needed for XXXX AND we have to sign a promissory note of {$17000.00}, the property goes to foreclosure. 
At the moment, it is very difficult to get an XXXX. There is a big difference between their appraisal and ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via Commonwealth Finance. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX  CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my XXXX thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I took out a Comenity ( Arhaus ) Credit Card in XXXX. I have been paying above the maximum since that time. My current balance is {$2600.00} but my credit report is showing that it is {$3300.00} because Comenity has failed in its duty to report to the credit bureaus since XXXX. This is having a SIGNIFICANT impact on my credit score because it is a single card utilization of 95 %. 

When I called Comenity yesterday ( XX/XX/22 ) they said that one month it was not reported because their system was down. They could not give me a reason why it was not reported in other months. Furthermore, they failed to notify their customers of this. 

Comenity has failed at every level here. Their mistake will cost me thousands of dollars as I have to make a large purchase and their failure will not be rectified by then. This is completely unacceptable and is affecting many of their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/2022, a final amount of XXXX  was negotiated to pay the account off with Sunrise Credit Service for a collections account owed to XXXX XXXX XXXX XXXX. This amount was negotiated with a credit manager at Sunrise Credit Service through emails which are attached to this complaint. On XX/XX/2022 my husband, XXXX XXXX, spoke to a customer service representative and paid XXXX and arranged for the remaining amount of XXXX to be deducted on XX/XX/2022. The credit XXXX stated in her email that once the final amount was paid the collection would be removed from my credit report. On XX/XX/XXXX, Sunrise Credit didn't deduct the full amount of XXXX, only XXXX. This is their mistake, not ours. 

As required by law, I have tried by good faith to resolve this dispute with the merchant. I have emailed and negotiated a payoff amount, which was paid. I have spoken to customer service representatives at XXXX XXXX XXXX and Sunrise Credit Service to try and resolve this.

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 2022-09-22 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: LA

Complaint narrative:
In accordance with the fair reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating 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 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
The company XXXX was overchargeing me XXXX XXXXXXXX {$800.00} a month for unlimited services for 3 lines. Overcharging, adding unnecessary fees, etc. I paid them what was owed and switched my line over to XXXX. I.C. System then purchased an account that was not updated and was settled. They are trying to collect twice on the same account. 
I have been with XXXX with for over 5 years.

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 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In a previous complaint I disputed my credit card reporting from my bank XXXX XXXX XXXX XXXX. My complaint was that they are still collecting monthly payments and reportING monthly like the account is open. I screen shot the credit beaurus response stating that my bank says that account is open. I screen shot the actual facts from the credit beauru that the account is CLOSED. I'm asking the credit bearus to use their common sense and not accept that the account is open if it's reflected on my credit that it's closed. I want this to stop being reported monthly and asking for monthly payments when my evidence shows this account is closed.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian keeps sending me emails with no unsubscribe link. I only want their spam to stop filling my mailbox. They always send me things say I qualify for this and that and then if I try to apply I never qualify for them.. even though I was qualified according to experian. Also, they say they will continue using my information after I have nothing to do with them. Experian is bad business. I have some obvious identity theft on my credit report also and nobody will do anything to help with that. Dismantle the entire system of fico which I just found out is the name of a company and also some requirement to do things with the government and even employment? How is this allowed to happen?

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 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : 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

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 2022-09-22 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: FL

Complaint narrative:
This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : 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

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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I got a loan to pay off some debts but when I got the loan. When getting the loan I was not allowed to change the date of the payments. I was told that I could change the payment date after getting the loan but I was then told that I can not change the payment date. Also, they have a section that says I will also be required to pay a late fee because if my payment is not paid by XXXX then there is a XXXX $ later fee. If I can not change the date of my payment then I will be late every month so they are hitting me with that fee each month. The is no option even if i schedule payments ahead of time I still get a late fee. This is an unfair Practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief