vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a debt with this company and I made a payment arrangement with them. They did not honor the arrangement and still reporting a balance.

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 2023-10-23 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: MA

Complaint narrative:
they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. XXXX has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( XXXX  worker )

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I contacted Resurgent Cap Services on XX/XX/2023 via Certified Mail to dispute the amount they claim I owe as well as asking for verification of debt because I believe it to be wrong. I was not given the information I requested within the required time frame to validate the debt. 
Again, I believe the amount they claim to be wrong and after explaining and disputing for this reason they continued to contact me by phone to collect the debt as well as sending me additional bills in different company names such as, XXXX XXXX XXXX XXXX. I have copies of verification of debt request, debt validation letter, as well as copies of certified mail receipts. I also have copies of the bills I was sent in different names and copies of calls that were made to my phone after I had disputed and requested proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXXXXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A credit car was opened using my credentials through chase and was left unpaid not the balance is on my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today ( XX/XX/2023 ), I received an email from Citi Bank advising me of a credit revision. The email was extremely generic, stating XXXX gave them information on me but had no part in the decision to lower my score and therefore couldn't tell me why they did it. 
My credit limit was dropped from {$7500.00} to {$5300.00}, leaving just over {$200.00} available credit. 
I have never missed payments and have always paid more than the minimum ( usually $ XXXX {$200.00} more than required ), but they still dropped my limit and won't tell me why. 
When I reached out, the representative at Citi ( XXXX ) copy/pasted the original email as her response, and when I pointed out it said XXXX had no part in the decision and couldn't give an answer, she said my issue was unfixable on her end and to call XXXX. I told her I did not qualify for such a drastic drop in credit, that this was a blatant violation of the FCRA, and that there is a note in my XXXX file ( been there 5 years ) stating my refusal to acknowledge or authorize their copy of my report as it contains old/inaccurate information, and she disconnected the chat.

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 2023-10-23 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:
see attached documents

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 2023-10-23 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: IL

Complaint narrative:
I decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.

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 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Hello, I am a XXXX XXXX and I XXXX XXXX XXXX in XX/XX/XXXX with 4 unsubsidized and 4 XXXX XXXX  loans. The unsubsidized don't enter repayment until XX/XX/XXXX. However, the XXXX XXXX loans entered repayment on XX/XX/XXXX. 

I was unable to make an account from XXXX due to website issues with Aidvantage, my loan servicer. I finally was able to log in on XX/XX/XXXX and saw that my XXXX XXXX loans had entered repayment on XX/XX/XXXX and I was receiving past due notifications for {$3100.00}. However, I had meant to apply for the XXXX program, as I am not able to afford this in XXXX. My XXXX XXXX counselor helped me. We discovered that using the Aidvantage website, I was unable to apply for XXXX using my tax information from last year, which would make my payments XXXX because of XXXX income last year. I was only able to set up SAVE using my tax info when I directly went to XXXX. 

Now, I have to take care of this false balance of {$3100.00}. It was not supposed to enter repayment until XX/XX/XXXX, like my unsubsidized loans, and then should have been {$0.00} per month because of XXXX. So I needed to address this with Aidvantage or apply for a 6 month post enrollment deferment to have these charges undone, however I was not able to get into contact with Aidvantage. I was on hold for 2 hours twice without getting into contact with anyone. I tried to schedule a call back from the website, however every available slot was grayed out and so I was not able to do that. I have not heard from them, and I am concerned because I am worried about being reported as having late payments to the Credit Bureaus. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX  to purchase an appliance quote for a kitchen remodel. 
I was told by XXXX that they offer a 12 months no interest and also an additional rebate of 5 % through Commenity Bank which was approved by phone with XXXX. I had the entire balance in an account ready to pay off anytime form an equity line. 
I purchased XXXX in appliances in XXXX XXXX.The appliances were delivered over several months. I made regular auto payments of approx $ XXXX over the year and the balance was paid down to approx {$12000.00}. 
I called Commenity Bank in XXXX and spoke with a customer service person and said can you tell me when the 0 % interest ends. They told me XX/XX/. My response was ok I thought it was earlier it must be based on when all appliances were delivered. 
I then added it to my calendar and went on this morning to pay it off. I immediately saw a {$17000.00} balance. I noticed they added {$4300.00} in interest in one month ( XXXX and another {$400.00} last month with any warning, phone call, email or anything by mail. 
I was given a date of XXXX by phone. I fell taken advantage of, I feel scammed and that this is predator4y. The customer service person offered no help or resolution. I have had this money ready to pay off at anytime. I am a XXXX  XXXX  that has worked hard 7 days a week to put my daughter through her XXXX  and a son with a XXXX XXXX. They have turned my dream of a kitchen remodel into a nightmare. I would love your help. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
My student load with XXXX was completely forgiven as of XX/XX/2023. It still has not been reported to the credit bureaus as forgiven or paid. I've emailed XXXX and filed a dispute with Experian to no avail. Thank you. 
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 explanation
Consumer complaint received 2023-10-23 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: MI

Complaint narrative:
Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days 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 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: AR

Complaint narrative:
XX/XX/2023 - Received a text from my Father-in-law that the following number : XXXX called in reference to a " personal matter '' around XXXX pertaining to myself, XXXX XXXX. When my father-in-law asked how Williams & Fudge got his number the caller explained that " [ I ] had put his number down as a reference/contact number '' to which I can confirm that I have never used him, or his number, in any reference capacity. 

Shortly after receiving this text from my Father-in-law, I called the number in question at XXXX XXXX to which a representative from Williams & Fudge answered the call by stating " Is this XXXX XXXX '' to which XXXX explained yes. The caller informed me after this that she was calling in reference to a debt with the XXXX XXXX XXXX  XXXX XXXX and asked how I would like to take care of the balance. I immediately asked for a verification of the debt to which she immediately started asking questions for me to confirm my employer, to confirm the name of my wife and questions about why my email was a different name than " XXXX ''. I verified all information aside from the question in regard to my employer to which she explained, " That is okay I will find out. '' I feel that the caller is using deceptive tactics to collect the debt by giving falsified information regarding the circumstances in which she got my Father-in-law 's number, and by continuing to ask questions not related to the debt after I asked for a letter of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
According to 15 U.S.C 1681b XXXX  has violated my rights.

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.

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