vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Experian has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXXt # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021

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 2022-09-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX, HAS violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-21 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: GA

Complaint narrative:
I filled bankruptcy XXXX  XXXX in XXXX of XXXX  My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled bankruptcy XXXXr XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.

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 2022-09-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} 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 explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent out letters to all 3 credit bureaus for the unrecognized inquiries and inaccurate informations.

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 2022-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent out letters to all 3 credit bureaus for the unrecognized inquiries and inaccurate informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: TN

Complaint narrative:
On or around XXXX to XXXX, Eye saw alot of free approvals on credit karma and Eye still get these notices sent to my email currently. Eye would pay such notices no mind until recently Eye was made aware via social media that the Federal Trade Commission ordered Credit Karma to pay out {$3.00} XXXX for false claims regarding credit scores. Credit Karma has continued sending me pre-approval for credit cards informing me of being pre-approved for credit cards, personal loans and car insurance offer. Everyday Eye would see offers whenever Eye would log in to check my credit score. After a months or so of being informed via email that Eye was pre-approved, one would only assume that they are in fact positioned in such the perfect place to apply. Eye received several offers through credit karma and Eye started making plans to do things with my family that Eye wasn't able to do before hand with being pre-approved for credit cards etc. Eye applied for loans and have been denied. Not only is this false and misleading, unfairness and abuse but it is also deception. Employees of Credit karma telling me that Eye was approved not only constitutes lies and deception but using someones personal information to pre-approved them for something constitutes identity theft. Such events cause stress, XXXX and XXXX which is one of the reasons Eye go to therapy. These events are the reason many people are poverty stricken and they give up on life because of having their personal information stolen that benefits others and not the original beneficiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX  on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.

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 2022-09-21 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: FL

Complaint narrative:
XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Tranunion has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Transunion has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX  # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial dispute XXXX Company closed dispute on : XX/XX/2022

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company refuses to move inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called to get the amount of months left on my loan. I was told I have approximately 10 years and a few months left on my loan, but that could change if my loan payment fluctuates ( goes up or down ). When I initially signed up for the student loan forgiveness payment plan, I was told that I would have to pay on my loan for 20 years and after the 20 years any remaining balance would be forgiven. I don't understand how my loan period would be extended beyond the 20 year timeframe if my loan payment goes up or down. What does the amount of my payment have to do with extending the time period of my loan and eventual forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Back in XXXX I distribute XXXX transactions from XXXX. Wells Fargo made a decision and finizile the case end XXXX last month. XXXX pur XXXX balance on my account I lost the transaction according to wells fargo wells fargo refused to contact XXXX tell them this case is finalized XXXX waiting on well fargo to respond to this case wells fargo told me they not allow to send XXXX email of this case being finalized XXXX said they waiting on the bank to respond the bank refused to contact XXXX now my account negative cause wells fargo refused to contact XXXX about this finalized case once wells fargo contact XXXX my account from XXXX will be back positive on XXXX wells fargo owe me a cashier check of {$580.00}

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I had accounts between XXXX with TD bank and all my accounts close and all the accounts had fees access to the account not only the fees but TD share my information without my consent and the fees that were charge on my account were fees were a merchant submitted payment to my account for the same amount multiple times. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a letter in the mail today from Citi Bank regarding an application for a Citi Customer Cash Mastercard account, which I did not apply for. The letter is dated XX/XX/2022. I have never done business with this company nor did I request to have an account with them. I'm unsure of how they obtained my information and would like proof from them that I applied for this credit card. The letter was sent to a previous address that I have not lived at in a year.

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 2022-09-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/06/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$510.00}

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 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I've tried repeatedly to settle thus debt with old navy. This card was charged after I closed the account with a {$0.00} balance over 2 years ago. Now there's over {$400.00}. Repeated phone calls. And now a debt collector called my husband, who was NEVER on the account and had no access. And told him FULLY about the charge, amount, store, and they were attempting to collect a debt. I'm still trying to get this off my credit report and end this card.

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 2022-09-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the XXXX that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX Account XXXX. Experian has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX Account XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial notification to bureau about dispute : XX/XX/2022 Bureau closed dispute on : XX/XX/2022

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Creditors call multiple times. After regular business hours and on Sundays.

Company response to consumer: Closed with non-monetary relief