vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.

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 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Received letter stating debt was owed for a credit card account that was charged off in XXXX of XXXX. Responded to the claim on XX/XX/XXXX asking for further details which included : 1. The original amount of the debt ; 2. The original contract or information about this account ; 3. The name and original creditor to whom this debt is owed ; 4. Verification of each transaction held for this debt, and or any court ordered judgment against it ; 5. Proof of historical payments made, transactional history of the account ; 6. Proof that the collection agency is licensed to collect in the State of XXXX ; In this letter, I clarified that this account was in fact fraudulent, that all charges were not mine/never were mine, which included the information pertaining to the existing police report for fraud ( which names this account, among many ) ; with a named perpetrator who is in prison. 

The response was received by the collection agency on XX/XX/XXXX with a letter stating their accounts were accurate, that they were essentially ignoring the communication sent via certified mail ; followed by a single, final financial statement from the original creditor with interest only charges ; no other historical transactions. They are unwilling to cooperate and acknowledge the criminal findings and formal police report and continue to pursue the debt. 

They have continued to make phone calls to my phone even after requesting on XXXX occasions they cease communications that were not via They blatantly ignored the information in the letter and have been uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted the credit reporting agencies, Equifax, XXXX, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then Equifax ruined my credit with their glitch and has since dropped my score even further without a response or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I got a credit card from XXXX XXXX Comenity bank, a few months ago, have been paying on time for a {$30.00} or {$35.00} dollar purchase, and have been billed with late payments of {$40.00} to {$90.00} in late payments. 
Wrote them a note along with last Payment explaining their mistake, but only to receive latest bill of {$120.00}! 
Also, had a harassment call from them to pay a {$40.00} late fee, which caused me to have kidssymptoms of almost a XXXX XXXX 
Last purchase at store was made with other credit card. 
This is the worst bank and someone should stop them from doing business.Thank You kindly, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VA

Complaint narrative:
Hi, I applied for a Discover it card in XXXX last year. The card arrived on XXXX XXXX but I went on a vacation on XXXX XXXX so I missed the mail. 20 days later when I got back, I couldn't activate my card. I contacted the customer service, and they said that my account was closed, and I can only apply for a new card in the future. 

Recently when I applied for a new card at Discover, I was declined and the reason was 'insufficient credit score '. I have no other credit cards and only have applied at Discover, so I assume that the inactivated card affects my credit score.

On the Discover website, it says that Your card issuer may contact you if you havent activated your card after a certain amount of time ( typically 45 to 60 days ). That's far longer than 20 days, and I was never contacted by any means. My account is directly closed without warning, which severely affects my credit scores. I can't get a credit card now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Account numbers : XXXX. XXXX - XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My loans show that they are still in collectio/default status. I am currently enrolled in a IDR program with great lakes borrower service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously sent many complaints to this company regarding my disputes with my consumer report. I have also called this company to get an update on my disputes in light of recent investigations brought upon Equifax. 

Over the past XXXX  years, I have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( XXXX ) says that after the reinvestigations all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. 

Please remove these accounts from my report IMMEDIATELY : - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover closed my credit card over XXXX year about and up until several months ago I was making timely payments despite the credit card being closed. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I feel Discover forced me into a repayment plan I can not afford. I am a XXXX XXXX XXXX and I make $ XXXX. My Discover balance is currently {$3200.00} and I am seeking to settle for XXXX XXXX of what is owed within XXXX days, which would be {$1600.00}. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My XXXX the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential 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
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
Credito Real USA is reporting a debt on my consumer report. I disputed the debt, in which they responded to me advising that the debt is owed. I responded to Credito Real USA conditionally accepting their claim and advising them that I wanted to settle the debt as soon as possible and asked for additional information, however they refused to comply with providing me with my request and they refused to remove the debt from my consumer report damaging me and my credit and my family. I have been in honor and they're acting in dishonor making threats that they will not respond to me any further and advising me that my letters to them are " frivolous '' and " repetitive ''. They claim they have answered me via certified mail and failed to provide any tracking number or anything that supports their claim and the debt continues to damage me and my ability to purchase a home for my family and me. I have done all in my power to attempt to ethically pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted the credit reporting agencies, XXXX, XXXX, and TransUnion. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted the credit reporting agencies, XXXX, Experian, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.

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 2022-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Attempted to pay off the mortgage. Bank did not dishonor, reject or return my payment coupons and didn't close the accounts either. 
Attempted to have the debt validated by bank. Requested validation twice. 
Bank refused to answer any letter. Notified bank of contract change due to lack of response and lack of validation. Bank is now attempting to take action. Harassing letters are non-stop with the threat of foreclosure and now a lawyer has joined the team signing the same thing. 
But they will not answer any questions from the XXXX XXXX!!! No contract with XXXX wet ink signatures has been shown, only a photocopy of the original note. 

They are not in compliance with the UCC and the bank is violating my rights under the XXXX of law. The Maxims of XXXX XXXX apply to everyone!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX XXXX XXXXcount # XXXX Bal : {$1300.00}

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 2022-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential 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 explanation