vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my Experian report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-27 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
The division of customers bank has had this problem with my account for at least XXXX years they've been stealing my money now I recently opened my purchasing two bonds worth the dollars each I requested two bonds be sent to customers bank / mobile vibe account also I linked my brokerage account to customers bank and now they closed my account I'm able to view my account online without viewing my money in my account this bank has done this every month they make it like transactions are in pending status when the items already been charged its a skeem. The items they say are pending is the items value the trying to steal catch them right in the act with this message please.

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 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Seattle Service Bureau, Inc
State: KY

Complaint narrative:
I never authorized account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
Deceptive advertisement. Fraudulent unlawful holds on legitimate transactions. 
XX/XX/23 @ XXXX. The XXXX # XXXX XXXX XXXX accepted my cash payment to send a {$1500.00} MoneyGram payment & issued me a printed receipt stating the Service Type is " 10-Minutes '' for destination/delivery. When the recipient ( my son ) tried to pick it up at XXXX it had an error as " unavailable. '' He alerted me and I immediately called the dispute # XXXX printed on my receipt. After navigating through a profusion of phone prompts to reach a live agent, it took transfers to 3 representatives over a 53-minute call to resolve the issue : specifically I was told " Because there of lots of fraudulent activity in this area ( XXXX IL XXXX their payment system automatically generates a hold on large amount transactions. '' I was subjected to redundant " interviews '' that included personal details that were none of their business ( i.e., who is recipient ... why did I send it ... when was last time I saw him in person... do we communicate via phone, text or email... how old is he ... what's his phone number .... ) We live about 40-minutes apart ; I could have simply driven over & handed him the cash! This payment entailed a simple car repair, but it could have been emergency. NOTE : This is not the first time this has happened ; it happened for MULTIPLE transactions ( grandchildren gifts birthdays, etc. ) I sent last year -- for this reason I stopped using XXXX & switched to XXXXMoneyGram. It took several days to resolve those issues. This time I insisted on a refund of the {$14.00} transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Company decreased limit by just enough money to make cover the balance on the card. 
There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.

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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have sent written notification to Portfolio Recovery Associates LLC requesting documentation of any contractual relationship between myself, & Portfolio Recovery Associates LLC. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Portfolio Recovery Associates LLC, {$1400.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. The response from Portfolio Recovery Associates LLC was an XXXX computer generated response that did not lawfully respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten 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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Contacted Ccs Collection Company to request validation of debt and rep wouldn't give information that I was asking and threaten that if I didn't pay I would go to jail and pay a huge bail

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: WA

Complaint narrative:
XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: WA

Complaint narrative:
XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.

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 2023-02-27 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: CA

Complaint narrative:
I was wrongly charged XXXX by XXXX XXXX for an item that was not purchased and or received. After months of going back and forth between XXXX XXXX and Comenity Bank XXXX reversed the charge. When speaking to Comenity bank the workers accused me of lying and forgetting I made a purchase they told me forgot and should just pay what I purchase and to not purchase items can not afford. I was given the option of paying XXXX of the XXXX balance and it would go away. I was told to wrote letters Comenity Fraud department and to call XXXX. XXXX told me to contact comenity. This went on for 8 months and then XXXX finally reviewed my account and saw that it was noted in XX/XX/2022 of the charge and that t was supposed to be crediied. Comenity told me that once XXXX credited the charge then they would credit the late fees and interest. Now that the orginal fee was finally creditied Comenity says I still owe for the interest and late fees which total {$230.00}. I explained that I never made a charge to be paying late fees and interest on and they told me it was my fault that i should have taken care of it last XXXX. The problem is I have been trying to resolve the original {$39.00} charge for months and n one would help me. Now that XXXX finally admitted they made a mistake credited the {$39.00} fee Comenity is still telling me I owe {$230.00} but if I wanted to settle could for {$80.00}. I am not settling for a charge that I never made in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is practicing unfair debt collection My car was repossessed today and I have been told different information from 3 associates in regards to my information. I went online to make a payment and it was restricted due to me being " more than three payments past due '' on my account. However, if the account was not locked, I would be able to make a payment today. Also, my account says that I am only past due {$820.00}. That is not 3 months ' worth of payments. Also, when I called, one associate told me that my tow fee was {$120.00} because they used a flatbed. I recorded them on my security camera and it was not a flatbed. I have footage of it. I asked them if I could pay the car off within a few weeks, and they said no. They will not take any payments from me. FYI-The reason that I got behind is because I was XXXX XXXX XXXX XXXX, so I was unable to work like I needed to, but I tried to make as many payments as possible. In addition, my sister and her two sons live with me and she gets absolutely no help from either of their fathers. I tried to discuss a hardship payment opportunity in the past, but was turned down.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Per XXXX app and XXXX XXXX, My Equifax has not updated since XX/XX/XXXX in XXXX XXXX  and since XXXX in XXXX App with my membership that show all 3 credit scores. I have called Equifax who keeps telling me that it is because nothing is being reported which is absolutely false because the other two bureaus have been reporting each month with no issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 
See the documents attached.

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 2023-02-27 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: IL

Complaint narrative:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all XXXX credit reporting agencies. 
My XXXX XXXX  accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.

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 2023-02-27 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Fraud information listed wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Fraud information listed wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
I signed a contract with Level One Law in XXXX First payment was XX/XX/2022 of XXXX XXXX a month. I made 5 payments of XXXX. Totaling XXXX. They said I had 30 days to get a full refund I did not see that in the contract. Besides what I have been told they can not use my funds except for a settlement and no settlement was ever reached. One time they told me fees would be paid in XXXX another time XXXX of XXXX. I know if you they reach a settlement they can deduct their fees for that settlement. But nothing more and as stated earlier no settlement was ever reach

Company response to consumer: Closed with explanation