vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Had numerous people try to use my credit for credit cards and automobiles!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card jerks harassing me into getting a card. 
Already reported to the FTC. 
FTC does nothing about it. 
I told them to stop calling me. 
They will not. 
I am on the do not call list. 
Well, that list is just a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
There is a debt on my credit report for National Credit Systems for {$870.00}. The collection was first opened XX/XX/XXXX. I wrote multiple reports stating that I was a victim of fraud and did not have any knowledge of the account. I called the agency and was told my collection was turned over to a lawyer in GA. I lived in PA all my life. I never received anything at all stating that I was being sued possibly. I never received a response. On XX/XX/XXXX, the collection was removed ( from XXXX ) after my several attempts of dispute. A couple weeks later, it was no notification of reinsertion. Sometime in XX/XX/XXXX, the same collection was removed from my XXXX report. It was reinserted without notification on XX/XX/XXXX. Then, after several disputes once again it was removed from XXXX, XX/XX/XXXX. Then, it was reinserted without notification once again on XX/XX/XXXX. According to the FCRA, the consumer reporting agency is REQUIRED TO SEND THE CONSUMER WRITTEN NOTIFICATION 5 BUSINESS DAYS THAT THE INFORMATION HAS BEEN REINSERTED ON YOUR ACCOUNT, IF NOT THE ACCOUNT HAS TO BE DELETED. The agency never VALIDATED my account. This a violation of my rights. If this is not removed FROM ALL BUREUAS, I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for XXXX points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all. 

Please DO NOT call me. I specified this with customer service but I still receive calls which just repeat themselves and do not solve my issue at all. This is VERY DISTURBING and ANNOYING. I've wasted too much time talking to customer service. Please look at the evidence I provide. Email me if there's any progress or additional info required.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Numerous people have tried to use my personal information to obtain credit cards and automobile loans illegally!

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 2022-04-27 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
AD ASTRA REC ( Original Creditor : 12 SPEEDYCASH COM XXXX TN ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX  is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX  : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my bill and payment for {$40.00} dollars did not go through when it was on auto-bill. After seeing late payments hit my credit report, I reached out to the lender/company and they said that the payments were not accepted because the name on the credit card that was being processed did not match the name on the student loan account. They never notified me of the rejected payment or explained why the payment was rejected and gave me this late payment. I now have difficulties being extended credit because of these marks and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MD

Complaint narrative:
My name is XXXX XXXX and I am submitting this report by myself and this is not a third party or a credit repair company 's statement. 

I requested TransUnion LLC to provide the description of the procedure used to determine the accuracy of the disputed items in my credit report, but they did not. 

Please see the attached documents for your review.

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 2022-04-27 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: MD

Complaint narrative:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

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 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had closed the Wells Fargo account and confirmed with them that there was not a balance. I found out two months later that they reported me late. I have never been late with them, nor with anyone else for that matter so this reporting is unjust. They admitted that it was their fault and after trying to resolve it with them again after-the-fact, it still goes unchanged 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 non-monetary relief
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I received an Email from Experian billing Department that they was trying to bill a old Checking account ending in XXXX that I had Canceled for their Experian XXXX XXXX membership. I right away contacted Experian billing department in response to the Unauthorized billing and that the account they are trying to bill had been canceled and requested proof that i had authorized them to bill that account which i knew they would not be able to do because i have never contacted Experian nor requested any information about the their XXXX premium product. I was advised by a Experian billing representive that it is something that they offer and after time will bill the consumer i stressed to the billing representive that i had never spoke to anyone or requested any membership for this product and I didn't give any authorization for them to bill the closed banking account ending in XXXX. I was made to believe that this matter had been resolved only to received another email on XX/XX/2022 from Experian billing department where they again is trying to bill my old checking account ending in XXXX without any Authorization which is illegal and can be labeled as attempt theft of unauthorized funds from a Consumers banking account. I have attached emailed proof from Experian of unauthorized billing attempts.

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 2022-04-27 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: MD

Complaint narrative:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2022-04-27 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: EQUIFAX, INC.
State: DE

Complaint narrative:
IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MD

Complaint narrative:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: AL

Complaint narrative:
I took out a loan with this company back in XXXX, XXXX. For the amount of {$2000.00}. The company deposited {$500.00} into my account and kept {$1500.00} in their savings account. I was told I would have access to this money, once I paid off the rest of the loan in full. I paid off the remaining part of the loan on XX/XX/XXXX. When I paid it off, I was told I would not have access to the savings until the payment was processed. The payment was processed two days later ( XX/XX/XXXX ). From this day after, I have tried to withdraw my money, however within 24 hours. The money is always returned to the Seedfi saving account. I have reached out the company multiple times. They told me to wait a week for their system to update, then I will be able to withdraw the money. I have waited a week and my withdrawal is still not working. The money is still being deposited back into my account. I think the company is trying to keep my money, in order for me to take out another loan with them.

Company response to consumer: Closed with explanation