vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
( 1 ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public confidence, which is crucial to the banking system 's ability to continue operating, and inaccurate credit reports directly affect the effectiveness of the banking system. Therefore, the effectiveness of the banking system is harmed anytime there is a breach of the FCRA. Since I have discretion over what is and is not listed, this is a violation of my privacy with regard to my consumer report. If any accounts are reported without my express written authorization, identity theft will have occurred. This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681n, which allows for {$1000.00} per violation for accounts listed without my express written agreement, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I traded in a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX I made a payment arrangement with Ally Financial to take care of the {$410.00} lease termination fee. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have paperwork reflecting payments were taken from my bank account and that there is an agreement in place. During this time I continued to receive calls while the payment plan was in place and money was taken out of my account. Due to AlIy 's negligence mine and my wife 's credit reports have suffered for what I agreed to pay and did pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Please refer to my last case opened ( and then closed without my agreement ) against Old Navy and Barclays Bank.

They have red flagged my account and I can not access it. They are sending me reminders ( Barclays ) to pay my bill that is due soon but they have not provided a means by which to do so.

They wont let me use my Old Navy/Barclays card for any purchases. Any orders that I try to place get immediately cancelled and to this day no one responsible for this knows why this is happening. 
When I try to call Im placed on hold for an unreasonable amount of time and when I do finally get a live person they have no answers. 
A representative from the Presidents office at Barclays Bank assured me ( after my last complaint ) that this was all fixed but it is not. I am getting very anxious about this as I dont want it to affect my credit score since I cant make any payments! Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I disputed the debt with the credit reporting agencies and it was taken off my report only to reappear again as a new debt. Which is crazy because I have an email from Resurgent Capital stating that the debt was beyond the statute of limitations. They also stated they wouldnt sue for the debt or report it to the credit bureau, but thats exactly what they did. Because of this action I have had my credit limit lowered on some of my accounts because I am required to maintain a certain credit score with some of the companies. If my score remains lowered some of my credit limited can be closed by the creditor. Im XXXX XXXX XXXX on a very limited budget and they are using this abusive tactic to force me to pay. They know how important my credit is to me as a XXXX  citizen and are trying to strong arm me to pay the debt. Please help me in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the 9th and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I requested the School Misconduct Discharge Application from Navient on XX/XX/year>. This information to do so was given by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, that Navient has the means to discharge these private loans. https : XXXX Navient 's response was on XX/XX/year>. 

The response I received from Navient when requesting the application was " Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your loans are not eligible because they are no longer outstanding. '' My federal student loans were discharged and any payments reimbursed from the Sweet vs. Cardona case/settlement brought to attention and won by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I believe the private student loans paid for and in-process of being paid from my discharge due to the misconduct and predatory nature of XXXXXXXX XXXX shall also be forgiven and reimbursed without regard to their current status. 

I then responded to them on XX/XX/year>, that the loan status shouldn't matter, and along with the federal loans being somewhat paid for, they were discharged and payments reimbursed, that this load shall also be reimbursed due to the predatory nature and misconduct of XXXX XXXX and that I would be filing a complaint with the CFPB. 

I have attached the original DoE ( Department of Education ) Blanket Denial that spurred the XXXX  settlement in to action, the request for reconsideration following the blanket denial, the XXXX  letter stating the settlement was going through, and the DoE 's letter stating the actions due to the settlement proceeding and being won. 

Again, here is the link for XXXXXXXX XXXX information given for Navient Student Loans. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted transunion numerous times trying to get this fixed. They are reporting 2 late payments on my credit report from XXXX XXXX XXXX/ XXXX XXXX Account # XXXX. This account was closed voluntarily by me on XXXX of XXXX due to the fact that there website kept having issues and not accepting payments and posting payments at later dates. I have never been late with a payment and got tired of having to always fixing this issues. I contacted XXXX to close out my account because they violated my consumer rights. They told me the account was closed over the phone and continued to report on my consumer report for 2 additional months afterwards. They reported me late XX/XX/XXXX and XX/XX/XXXX and shows the account closed in XX/XX/XXXX when the account was suppose to be closed in XXXX. This has been a burden and is now stopping me from buying a home by making my interest rate so high i can not afford it for my family. I am currently in litigation with XXXX XXXX in regards to the matter. Transunion is still posting this incorrect information that is apart of a litigation. Furthermore aside from this instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Transunion It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My complaint is with FICO after checking my credit score today. I learned it stopped from XXXX to XXXX over night my score dropped XXXX. FICO and Experian woujd not explain to me why my score dropped. I have never been late on any of my accounts! I tags great pride in protecting my credit. I am very, very stressed as to why my score dropped XXXX points with out an expansion I need answers asap from FICO and Experian. I am very upset about this new found information regarding my credit score. I check my score daily to make sure no one steals my identity or information. It appears someone has committed fraud against me. I need to get to the bottom of this asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice i have a fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX I contacted Experian regarding several fraudulent hard inquiries on my credit report. They ivolved XXXX  XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. I also contacted each of these companies individually as advised over the course of the week followinf. I also filed a police report as advised and froze my credit and put a fraud alert on it. While investigating they doscovered that my name and SS # had also been merged with another woman with a similar name in XXXX Massachusetts and her addresses and phone number were on my account as well as her husband. The rep said it was unrelated to the fruad dispute and she rectified it immediately. Subsequently I keep receiving notices from Experian that the rest of my disputes have been resolved but the reports they give me to see are unreadable without a " premium '' subscription I am told, I also am told that my credit score will not be repaired with out a " premium subscription. '' I have work extremely hard to get in the " very Good '' credit range and it has dropped over XXXX points because of this and I was told again yesterday ( XX/XX/XXXX ) that without a " premium account '' it will not change back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased the Vanilla Gift Card ending in XXXX with {$500.00} value, and it could not be used anywhere I tried, including XXXX, XXXX and gas station. 

I called Vanilla gift card services and requested a refund, the agent gave me a case number XXXX. 

Right after the call I sent in all 4 required documents - the front and back of the card, the purchasing receipt, a proof of address, and a document containing my e-signature and authorization to replace the card. 

I received an automated e-mail claiming the refund will be processed within 10 days.

It's been almost a month, after 3 calls and 4 repeated emails with 2 different e-mail addresses I have still not received any response ; every time I call the agent refuse to escalate this matter, and there are no updates to this case at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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