vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX XXXX XXXX is furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).

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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX is the previous complaint. The claim closed, but the issues still remain. 

The pay in 4 card still reflects negatively on my PayPal account, and automatic payment attempts were made from my checking account at XXXX XXXX XXXX XXXX XXXX. This resulted in additional overdraft fees. 

My Paypal account shows past due for this master card. The past due status does not allow me to use any of the credit, payment plan or pay in 4 options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

This law has been broken and violated and the inaccurate information from XXXX XXXXXXXX XXXX XXXX account # ending in XXXX and XXXX account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, XXXX, and TransUnion ....

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 2023-03-17 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: GA

Complaint narrative:
15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

This law has been broken and violated and the inaccurate information from XXXX XXXX XXXX XXXX account # ending in XXXX and XXXX  account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, Experian, and 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 2023-03-17 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: LA

Complaint narrative:
I have been struggling to repair my credit scores Finally got my XXXX score in XXXX Equifax in XXXX and XXXX XXXX About a month ago both my XXXX and Equifax scores dropped significantly by over XXXX points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current. 
There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
TO NOTE : I already disputed on CFPB about this same case last year. The case number is XXXX. The company responded and removed the debt off my name. But I don't know why it is showing up again this year. 

National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX XXXX but left even before I moved in. We have the same last name and our first names are similar. The first three letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : 1. NCS Account.pdf- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX XXXX ( All this information shows the debt owner is not me. ) 2. Itemized Charges {$150.00} from NCS.pdf -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXXXXXX XXXX  -- This is the lease I signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX  -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX. XXXX. XXXX -- This is the dispute case details on CFPB that I submitted last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/2023 I paid my Comenity XXXXXXXX XXXX  Card balance in full. On XX/XX/2023, I received the XXXX XXXX statement showing a {$2.00} interest fee incurred on XX/XX/2023. 

I placed a call to XXXX on XX/XX/2023, at XXXX, inquiring about this fee as I had paid the account in full on XX/XX/2023. I was promptly told not to worry as it would be waived and credited back to my account. I expressed my concern this would not actually occur and they were *very adamant* they would make sure it would be done. 

As of today, XX/XX/2023, the balance has increased to {$6.00}, which now includes a {$2.00} late fee from XX/XX/XXXX, and another {$2.00} interest fee as posted on my XX/XX/2023 statement. I have placed several phone calls today asking how this could happen when I was assured the initial {$2.00} fee would be waived. The first 2 agents I spoke with today ( XX/XX/XXXX ) assured me it was being credited ( calls placed XXXX and XXXX ) assured me and the account would be closed as requested. The third agent I spoke with told me they were never going to waive the interest fees and this was a result of someone who had poor training and they apologized they could not help me but that I would have to pay or I would incur more fees. 

I don't understand how I could be told after paying off my account IN FULL, that I would have the {$2.00} fee from XX/XX/XXXX, *credited back to my account*, only to be told a month later that was never going to happen. This was only after speaking with 3 previous agents who assured me the fees would be credited and I again, had " nothing to worry about ''. 

It was also made very clear that closing the account was very negative and attitudes and treatment clearly shifted for the worse when I made it clear I wanted the account closed at my request. I am very concerned about incentives or the punitive atmosphere surrounding account closings affecting how customers are treated, especially regarding billing errors/issues. This concern encompasses all Comenity Capital credit accounts as I requested to close a different Comenity account and the same attitude shift was palpable and affected how my concern/problem was regarded. 

In addition to the phone calls, I requested through the message option on the account website to have the {$6.00} credited as I was assured would happen and my account be closed and reported to credit agencies as : Closed at request and Paid as agreed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXX Law office of XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I completed my purchase for XXXX XXXX XXXX XXXX XXXX for my son on XX/XX/XXXX for {$100.00} on the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My order was dispatched with usps with an estimated delivery date of XX/XX/XXXX. Upon tracking my order, there was a complete hault of movement with " Awaiting scan '' being the current status. 
Order number XXXX usps tracking XXXX. 

I contacted usps to let them know on XX/XX/XXXX and XX/XX/XXXX. Usps assured me that a case would be opened for this lost parcel. I advised I want a refund to repurchase items as these were time sensitive medications. Usps advised that management would reach out to me but they never did. Usps closed the investigation on XX/XX/XXXX for no reason. 
I contacted the vendor by email and by chat on their site. The vendor never responded via email, only live chat. I will include proof of XXXX XXXX advising me to contact usps again as they shouldn't of closed the investigation without delivery. 
I advised this is not my fault as I paid for insured postage. The item never left usps. 
Live chat agent from XXXX XXXX  advised that if I opened a dispute with my bank that they will decline by saying they are helping. The vendor is not assisting as I have been the one reaching out to usps with no help or refund. I have already reordered these items as they are very important for health reasons. I just want a full refund for an item still in usps possession. 
I contacted my bank to dispute the charges and my bank states I would have to wait 30 days for a refund. 
Dispute number from citibank : XXXX Included will be photos of the purchase, tracking, my outreach to the vendor, as well as the information from the live chat agent. 

Today XX/XX/XXXX the order is still awaiting scan according to usps tracking. 
Customers should not be liable for lost or stolen packages when the postage was insured. 
I never received my goods or services. 
Obtaining medication should not be this hard. This is a XXXX that affects mostly XXXX Americans yet there is no awareness and priority. 
I told usps and the vendor that I will be reporting this issue and they said " that's fine ma'am ''.

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 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent the collection company ( Portfolio Recovery, LLC ) a letter on XX/XX/2023 asking them to stop contacting me about a debt in the amount of {$1000.00} from a XXXX XXXX account XXXX as the debt was from XXXX and could not collected on due to my state 's ( New York XXXX statute of limitations on such a debt. Despite this, I received a letter on XX/XX/XXXX and a call on XX/XX/XXXX at XXXXXXXX XXXX  EST about the debt in question. In addition, calls before and after sending the letter have consisted of hangups upon being answered, in a manner that feels like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket. 

Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX  complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt. 

In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX. 

Attached is the summary letter Ally Bank states justifies the credit report ding.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
In XXXX I took out a home equity loan to pay credit card debt. I recieved the loan from XXXXXXXX XXXX for the XXXX XXXX they Disbursed checks on XX/XX/2023 to five credit card companies. of which 4 posted the payments to my acounts with in 1 to 3 days from disbursement of checks. Santander Bank was 1 of the cards being paid. They claimed they never received the check. When I called them approximately 2 weeks after the disbursement of the checks. I talked to XXXX she gave me a reference number # XXXX I call a few more times about this. On XX/XX/2023 I talked to XXXX and told me they had not recieved the check. ON XX/XX/2023 I contacted XXXXXXXX XXXX about the problem they put a stop payment on the original check and sent out another check to Santander Bank with delivery notification which told them the check was recieved by Santander Bank XX/XX/2023. Santander Bank is claiming they have not recieved the check again. I have a new reference number XXXX. I am paying interest on money I don't owe them. Please Help Thanks

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 2023-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Insurance claim for roof repair for XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX USAA member # XXXX I have been USAA member for over 25 years The delays, untimely and confusing communication and lack of responsiveness has caused me personal financial hardship I am a XXXX  and have an XXXX and have worked in XXXX XXXX XXXX XXXX for over 20 years A process is broken and it is unacceptable XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation