vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Take note of the attached documents. I want the bureau to look into these accounts, as I have a history of being punctual, contrary to their current late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank 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 2023-12-01 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: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for assistance from XXXX XXXX XXXX  and notified my mortgage company. While waiting for approval I asked the mortgage company for more time while waiting. The mortgage company sent a letter saying they would apply for a forbearance. After receiving the funds from Mortgage Relief the mortgage is now telling me that the forbearance is a program that puts my outstanding payments on the end of my loan and now I am considered current and sent the funds back to Mortgage Relief. 
I was never told that a forbearance would bring me current because that would automatically disqualify me from the Mortgage Relief program. I made several phone calls to the mortgage company to keep them informed of my progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX a purchase was made at Kay Jewelers. No one told me that if I didn't pay off my balance by the end of a 12 month promotion I would be charged full interest no matter how much I paid down. It was misleading and they maliciously held back information from a consumer. The information was not available to me until after I made the purchase. The agent on the phone stated that I was on 12 months deferred interested for that payment I made but not on the one in XXXX of XXXX. Doesn't make sense. 12 months is 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I purchased roughly ~ {$2000.00} of equipment from Dell XXXX XXXXXXXX XXXX with a promo % 0.0 APR until the following XXXX. I put this on autopay to be paid off by XXXXXXXX XXXX XXXXXXXX. I've used this service previously without any issues. 

Dell announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. Dell claims I canceled my autopay with {$22.00} remaining balance in XXXXXXXX XXXX XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a XXXX change of XXXX to XXXX. I was shocked. I attempted to go to the existing dell finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened Comenity advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to Comenity. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising byoperation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information, as I was informed that a down payment of {$9500.00} was needed for me to drive off the lot. 

Notice that Pursuant to 15 U.S.Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$9500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX WITHOUT PREJUDICE UCC 1-308, i.e., all Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from XXXX. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and XXXX have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to XXXX and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have ND which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX Transunion and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from Nelnet. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and Nelnet have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to Nelnet and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have XXXX which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX XXXX and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A partial payment was made on this day, prior to XXXX. A month later, I received a final billing statement with the final amount due, which I paid immediately in full. About XXXX of XXXX, I received a phone call from someone ( not sure who ) saying I still had an outstanding amount for {$100.00}, but they couldn't tell me what it was for ( note : this was over two years after my XXXX ). I then asked for a detailed billing statement because I wasn't going to pay for something until I knew what it was for. They couldn't even tell me the date ( s ) of service. Two months later I received the detailed billing statement and it showed a {$0.00} balance, so I did what any reasonable person would do. I ignored it assuming they had made an error on their part. XX/XX/XXXX, I received notice from a collection agency. The amount due was {$100.00}. A week later I received a phone call from the collection agency about the amount due. I subsequently told them I would mail them a copy of the billing statement that shows a {$0.00} balance and I didn't owe anything. I also informed them in writing to stop contacting me. XXXX XXXX I received another statement from this collection agency demanding payment of {$100.00}. The same company I explicitly requested not to contact me, and if they did, they would be violating the Fair Debt Collection Practice Act ( FDCPA ), and they did just that. Not only that, but they sent me a copy of the detailed billing statement, but the difference between their copy and mine was the " Balance Due {$0.00} '' was omitted. Imagine that.

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 2023-12-01 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2023-12-01 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I paid a professional via PayPal but the service was not delivered, I want my refund. 
The professional asked me to send money as friend/ family via PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX XXXX XXXX, I was unemployed and contacted Navient about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX XXXX XXXX I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX XXXX  payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX XXXX XXXX, I started receiving calls from Navient saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX XXXX XXXX and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every 7-13 days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XXXX XXXX XXXX 

This could have been solved before then, had their reps gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response

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 2023-12-01 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me to delete these illegal accounts from my reports.

Company response to consumer: Closed with explanation