vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX Dept of Education 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 explanation
Consumer complaint received 2022-04-14 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: LA

Complaint narrative:
I received an email from XXXX XXXX  notifying me that a hard inquiry was made on my credit reporting agency named trans union.My account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if XXXX XXXX is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up

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 2022-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
XXXX is reporting Speedy CashXXXX. On my XXXX report as a debt. As Original Creditor. Speedy Cash can not report a balance as a debt. The same account is being reported. As a collection debt. With AD ADSTRA. For the same amount. Speedy Cash can report but they cant report the same debt amount. In doing so, My total debt amount is being reported higher than it is. Ive had Speedy Cash account deleted on my XXXX XXXX XXXX credit reports. I called Speedy Cashs dispute dept. About them reporting on my credit reports. XXXX continues to report this debt. Per the FDCRA, original creditor cant report a debt balance. Of and account that is being reported in collections. Account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX ( XXXX ) Carnival Cruise line offered a trip for the family, 6 cabins totaling {$4200.00}, offer thru Carnival XXXX XXXX XXXX. ( ( Barclays Bank ). Trip scheduled for XX/XX/XXXX. 
Due to the Covid-19 Pandemic we were unable to travel, the fleet was canceled. 
Carnival offered a 100 % refund. We never went on any Carnival cruise, yet Barclays continued to charge the automatic payments that were setup. We wrote to Carnival, we wrote and called Barclays they did nothing and continue sending letters and phone calls. 
Finally Carnival did a partial refund, Barclays was not paid completely, now XXXX Barclays decided to send the balance to collection services, ( XXXX XXXX ). We never went on any Carnival Cruise, we offered to settle with Barclays, nothing was resolved. I would like to have remove my collection activity until this issue is settle. The XXXX score is affecting my loan status to purchase a home.

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 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CO

Complaint narrative:
1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
refused to code it for the insurance company as a XXXX XXXX XXXX XXXX  I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt.

2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the 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 2022-04-14 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: FL

Complaint narrative:
Hello, Ive sent countless letters to Transunion about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.

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 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XXXX XXXX, I received a bill from First National Bank of Omaha for charges of {$64.00}, my credit card ending with XXXX. Knowing that I did not make any purchases, i examined the bill carefully and noted that the contents of the bill ( Transaction Detail ) reflected charges made from play station network. dated XXXX XX/XX/XXXX. I immediately called First National Bank of Omaha and informed them that I did not make any purchase on my credit card, and furthermore, i am XXXX XXXX XXXX and do not own a console.. My husband is XXXX XXXX XXXX and he does not own a console either. I do not have any grand children who live nearby and I can't imagine how this error could have occurred. I was told by XXXX that they would investigate the matter further, and not to make a payment because an investigation will commence. ( The moment they mentioned my old address and telephone # at Delaware, I knew that I was a victim of fraud ). First National Bank of Omaha closed the account and issued me another credit card. On XX/XX/XXXX, I received a letter from First National Bank of Omaha fraud dept, informing me that they have completed their investigation and I made these purchases. This is absolutely false. I am struggling to get over XXXX of my XXXX  XXXX, and I did not make these purchases. I moved to my present address 3 years ago, and I believe that First National Bank of Omaha sent out a credit card to me, and it probably went to my old address in Delaware, and someone got hold of that card, and made these purchases. Furthermore, they informed me that a purchase on this card was made in XXXX, and it was paid by error, however, they would refund me the {$59.00} that was paid in error. I am very disturbed at the knowledge that someone used the card, and now I am being billed for purchases that I did not make. I have an outstanding credit score, because I am a good citizen and pay my bills on time, however, I know that I have been a victim of identity theft, ( As I did not authorize any one in to purchase anything using the above card. ) Kindly help me as I know that I am an innocent victim. You can contact me at XXXX and at my email address of XXXX. Thank you for your kind consideration to this matter. Sincerely, 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 monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
Was not aware of the XXXX XXXX that was placed on my credit report. 
XXXX XXXX {$410.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX. I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

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 2022-04-14 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: TX

Complaint narrative:
I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

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 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a request to Equifax Information Services on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MD

Complaint narrative:
There are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MD

Complaint narrative:
There are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.

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 2022-04-14 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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

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 2022-04-14 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have a auto loan for a car with Navy Federal. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my Navy Federal Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
Hello, Ive sent countless letters to XXXX about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card. 

I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full. 

Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly. 

I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty.

I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account.

I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I.C.System Inc is a debt collector. As was the last two companies, this already paid debt to XXXX XXXX. What these companies are doing is passing along this false debt to the next company to see if they can collect. In the mean while, they put a negative strike on your credit report and after you've contacted XXXX XXXX, the debt collector and CFPB to get this removed. They pass this false claim onto the next debt collection company and the process begins over again. This has to be stopped, because it's not debt collection... it's a scam!!

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 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have recently contacted company to get late payments removed from this account. The account is an Ex-boyfriends and due to his pride he did not reach out to me for help when I wouldve been more than happy to help. Credit Acceptance did not reach out either when all my contact information was provided. I reached out to Credit Acceptance on more than one occasion to get a paper mailed to me to ask them to remove it and was never sent that letter. The lady also stated that it should be removed because of the lack of communication on their side.

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 2022-04-14 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: NY

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: PA

Complaint narrative:
I have owned my home since 2014 and the mortgage has been paid in full. Experian, XXXX and XXXX is still reporting on my credit report a balance from of XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX. Experian, XXXX and XXXX is reporting a balance of XXXX from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.

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