vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: Global Lending Services LLC
State: AZ

Complaint narrative:
i did not authorize theses inquiries on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PNC Bank N.A.
State: AZ

Complaint narrative:
i did not authorize theses inquiries on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
i did not give authorization for theses inquires on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: CA

Complaint narrative:
In XXXX I forgot to update a reoccurring payment with XXXX XXXXXXXX Credit Card. I was unable to access the account for several months because of their office hours. In XXXX I again attempted to settle the debt that was sent to collections. It was sent to to North American Recovery for collection. I worked with their representative to pay the debt over the phone. They collected my payment information but apparently never processed the payment. In the meantime I thought the debt was paid in full. 4 months later upon trying to apply for credit the debt showed it was still in default. I contacted the original creditor XXXX XXXX  who said the collection was with still with NAR. I contacted NAR, whom told me the account was with XXXX XXXX XXXX their Attorney. The Attorneys told me the account was sent back to NAR. For 10 days I was unable to pay the debt because no one could tell me whom to pay. Eventually, NAR accepted my payment but refused to send me a paid a in full letter. XXXX XXXX has still refused to send me a paid in full letter 14 days after payment. There has been no communication to help settle this matter which is affecting my financial situation. 

It should not take a consumer 5 months to settle a debt they claim and want to pay off. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Onemain called me and ask if i wanted to continue with application for a loan. few minutes earlier i received alerts from my credit monitoring service telling me Onemain financial in XXXX, SC pulled my credit without my authorization. i called the number back and spoke with a lady name XXXX. i told her i didn't apply for any loan with your company online or in person numerous times. XXXX told me to contact the credit bureaus to dispute the fraudulent inquiry, i told her that i was going to get a police report and send it to the credit bureaus for fraud...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
YOU BROKE THE LAW! 

To Whom It May Concern : I would like to say. that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. 

XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Bank XXXX XXXX Account Number XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. 

Sincerily, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I attended XXXX XXXX XXXX and took out student loans. They promised to help find job placement but I never got a job in my field and now I am stuck with student loan debt that I can not pay back. I attended in XXXX and was out of work until XXXX then I started working part time doing shipment. Please help I beg you please. Im now working as a medical assistant and going to school to become a nurse but Im paying for all of my classes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: First Technology Federal Credit Union
State: AZ

Complaint narrative:
i did not authorize theses hard inquiries that are reporting on my credit file

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint 1 month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my Transunion and XXXX properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint XXXX  month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of XXXX cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and Equifax properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have twice been issued a XXXX XXXX credit card by Chase ( XXXX and XXXX ). In both situations my application was approved, I was sent a credit card and then the account was closed before I was able to make any purchases on the card. When I called to question the decision I was told they would not be able to disclose reason for closing the account. 

I also opened a joint checking account ( with my spouse ) in XXXX. They also closed this account and refused to disclose reason for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-02-18 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
YOU BROKE THE LAW! To Whom It May Concern : I would like to say. that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX AXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. Sincerily, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I agreed to a settlement offer from Phillips & Cohen Associates and paid it on XX/XX/21. I just received a billing today saying I still owe {$930.00}. It says I have to call or write to dispute this. Why should I have to write them or call them and then trust they will get it right a second time? It's not that hard to be able to correctly determine if someone has paid a settlement agreement and to not harass them anymore. Just when you think you are done with them, they pop up again. There's no end even when you pay them! You can't be sending people bills they don't owe because you have bad recordkeeping. I know some people are scared of debt collectors and may just pay something they don't owe just to get collectors to go away.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Westlake Services, LLC
State: GA

Complaint narrative:
Unfamiliar and unauthorized inquiries on my file. I have made attempts to contact creditor. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have no knowledge of these collection accounts and I didnt authorize nor sign any documents and its messing my credit report up and I cant get approved for credit I have a great payment history never late and I ask it be removed per fair credit act the dates arent recognizable and the amounts dont match up to anything I would apply for please show me proof with my signature on or please remove off my credit report either show proof or I would contact my attorney and file a lawsuit against you for false information on my credit report I take no responsibility for any of these collections account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and XXXX XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Around XX/XX/2022, a card that I had with Capital One was upgraded to a Venture XXXX credit card. At the time of the upgrade, I was told that the card would be a XXXX XXXX Venture XXXX XXXX. I was happy about that because I use the network XXXX more than XXXX XXXX. On XX/XX/2022, I received an email from Capital One explaining the new card benefits, and I replied that the card was XXXX XXXX. I called customer services the same day around XXXX XXXX ( pacific time ) and spoke with XXXX, a rude Senior account supervisor ; XXXX was not professional or showed empathy about the situation I explained to him.

Company response to consumer: Closed with explanation