vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MN

Complaint narrative:
I closed my account over the phone after the company wouldnt allow me to make any kind of payment with my bank account. They rep told me I did not owe a balance and it would be closed, I would get a refund of the remaining {$40.00} still left on the account ( since it was a secured card I paid {$300.00} for ). I assumed everything was settle until I was in the final phase of purchasing my own home for the first time ( I am a XXXX XXXX XXXX and single parent, this was a life changing moment ) and the informed me I had an account in " charge off '' status with almost a {$200.00} balance. The company states I owe fees that were completely fabricated, and that they had to close it as a charge off. This was completely false and a total misrepresentation of credit ability. I have tried, numerous times to settle with the company and they have ignored me. I have exhausted every option I can. I need the charge off status removed in order to move forward with purchasing a home, so we have been homeless since they falsely added this to my credit file. I need this case resolved immediately and need the company to be held accountable for reporting accurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
The last time I spoke with A Navient rep, I informed them that I was involved with the XXXX XXXX lawsuit and received a settlement. I also received a notice telling me my student loans with XXXX XXXX were discharged and that I don't have to do anything else. The rep told me it was federal, and this loan with Navient was private, and I was still responsible for paying. I told him about the discharge I applied for and the lawsuit again ; he said they didn't receive any legal notice or documentation about the suit and my discharge. I asked if there was someone else to speak to, but he just kept saying you have to pay. I didn't understand and asked if he could follow up with the department of Education about this and I could send him my notice. I mentioned that they should look into this because it affects millions of XXXX XXXX who I'm sure were involved. I assume they haven't done that because they continue calling me and my family, trying to collect from me and sending notices threatening default, but no one is helping me get more information. I don't know what else to do to get this resolved. I don't remember who the lawyers are on the case. I have been receiving notices about the discharge, so I'm not sure why Navient hasn't been notified. Can you please help or direct me to someone who can? I also need more info on the case and how this lawsuit impacts my student loans, federal and private, with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.

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 2024-02-22 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: 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/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove hard 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

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 2024-02-22 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: MD

Complaint narrative:
Please remove hard 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

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 2024-02-22 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: OR

Complaint narrative:
I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX caused by an XXXX XXXX  who made an illegal turn, while one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX/XXXX  a XXXX  for almost a year after the XXXX  unit for a month. Im waiting for my third XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I was XXXX XXXX in a XXXX XXXX caused by an XXXXXXXX XXXX who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX XXXX XXXX XXXX XXXX Im waiting for my XXXX  XXXX, XXXX still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the debt you are attempting to collect as well as to bring to your attention several violations of my rights under the Consumer Financial Protection Bureau regulations and the Fair Credit Reporting Act. As per the referenced consumer laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s 2 ( 7 ) ( A ), it is evident that your actions have not adhered to the prescribed standards.

Firstly, I dispute the validity of the debt you are attempting to collect. I have not received any verification or validation of this debt as per my rights outlined in 15 USC 1681s 2 ( 7 ) ( A ) of the Fair Credit Reporting Act. It is imperative that you provide me with detailed documentation verifying the debt, including the original creditor 's name, the amount owed, and any relevant account statements.

Furthermore, your collection practices have violated my rights under 12 CFR 1006.34. Specifically, your failure to provide me with written notice within five days of your initial communication, as required by 12 CFR 1006.34 ( b ) ( 5 ), is a clear violation of the law. Additionally, your failure to cease collection efforts until you have provided sufficient validation of the debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further demonstrates your disregard for consumer rights.

Moreover, your company has failed to provide accurate and complete information to the credit reporting agencies, as outlined in 12 CFR 1006.34 ( d ). The inaccurate reporting of this debt has had a detrimental impact on my credit score and financial well-being. 

Therefore, I demand that you : Cease all collection activities on the disputed debt until you have provided adequate verification as required by law. 
Provide me with detailed documentation validating the debt in question, including the original creditor 's name, the amount owed, purchase agreement between the original creditor and you, also requesting to furnish proof to be licensed and bonded and any relevant account statements. 
Correct any inaccuracies in the information you have reported to the credit reporting agencies and provide me with written confirmation of these corrections.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Around XX/XX/XXXX, I noticed ongoing digital download charges on one of my credit cards. Despite disputing these charges, AMEX concluded they were valid and reinstated them. In response, I closed all my cards and ordered replacements. On XX/XX/XXXX, AMEX approved another charge from XXXX on one of the new cards, which hadn't been activated. Having been an AMEX customer since XXXX, I've observed their practice of allowing charges on newly issued cards, posing a risk for fraud. Instead of a safeguard, it creates an opportunity for unauthorized transactions. Vendors should be required to contact customers for updated card information when a card is canceled, rather than relying on default approvals. I've attached a copy of the new charge for the card that was not activated as well as the charges for the fraudulent XXXX charges of digital downloads.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: 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/XXXXXXXX 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 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I spoke with a representative at Comenity. She indicated that in spite of the date the payment may have been received, the payments are often processed later. If they are processed after the due date a late fee is assessed. I don't know the the staffing levels of Comenity. The lady on the phone indicated she was only allowed to remove the XXXX late fee ( one month ). 

My bank has indicated it can not process the Comenity payments through electronic means ( ACH ). The bank indicates they must send an electronic check. When I request an electronic check be issued I pre-plan normally at the beginning of each month, for payments made the following month. In other words I am on a fixed income as a retiree and I have a budget. I plan ahead for bills a month in advance. I make payments well in excess of the minimum. When I request these checks, I put the date the check is to be received and paid, then the program calculates the time necessary to assure delivery based upon the address of a given payee. If you notice on my bank statement ( attached ), the far left column is the date they calculate the check needs to be mailed, in order for the check to arrive on the due date. The column 5 to the right indicates estimated due date which is roughly 5-7 days before the due date. I admit that the first couple of bills I received from Comenity showed that my payment was due on the XXXX. I did not understand that, and adjusted my due date. Subsequently I corrected the payment date to correct the date the payment was received. The amount of time from when the check is sent to the time it is received should be adequate for a letter posted from XXXX to XXXX. I am not sure if the problem is with the Post Office in XXXX, or the Post Office in XXXX, or Comenity receipt of the check, or the time it takes Comenity to process the check. None of this was explained to me while I was on the phone with them. She did indicate that when the checks are processed, if it is after the due date, a late fee is assessed. All of my payments were " processed '' within a couple days of the due date. 

I have an excellent credit rating. In every instance, with the exception of Comenity, I have always paid my bills on time. This scheme at Comenity is an attempt to collect late fees, rather than interest, is a blatant attempt to avoid dealing in good faith. It seems to be preying on senior citizens

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: IL

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XX/XX/2024 XXXX balance payment amount we agreed upon XXXX for closure and removal. 
I recently paid off my collection for a pay to delete the current account is still reporting to my report and need to be removed asap because they have received there end but I haven't.

Company response to consumer: Closed with explanation