vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: CA

Complaint narrative:
My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all 3 credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, EQUIFAX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Denefits LLC
State: CA

Complaint narrative:
My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX # XXXX Registered Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all XXXX credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, XXXX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AL

Complaint narrative:
n 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: NY

Complaint narrative:
While checking my last credit report in XX/XX/XXXX, and my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1 ) XXXX XXXXXXXX XXXX XXXX ; Date of inquiry : XX/XX/XXXX Please be advised that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please also be advised that I sent a certified and written dispute with a copy of my drivers id and social security card to verify my identity, ( see attached ) in disputing of the above fraudulent inquiries, and as of yet, over 30 days, and this information is still on my credit report in violation of Fair Credit reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, Transunion and XXXX are XXXX MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my Transunion score was XXXX. By XX/XX/2022, my score with Transunion was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called Transunion and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX AND XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX and Experian are XXXX  MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I closed the account when i made that last payment. I call PayPal and told them she updated it on my account but XXXX wont let me dispute or change it. PayPal didnt close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a very high balanced credit card with Barclay, have had it for many years!! They decided all of a sudden to start upping my interest rate for the past SEVERAL months!! I called them, they don't care, closed the account and continue making payments and they continue upping the rate every month. How is this even legal?!?!?!? I make timely payments every month and have for years and years!! I have closed it, how long are they allowed to continue raising the interest rate on a closed account!! Also with no notification and I would like to see the paper I signed saying this was a variable rate, it hasn't changed for years!! I don't remember signing anything like that, have also asked them to produce that twice and nothing. People are having a hard enough time today without these companies trying to take advantage!! Will never use them again and will not recommend. I have another card that just switched over to them I believe, need to close that one also!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a investigation letter to TransUnion, XXXX and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and L account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
n 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There is a privity of contract going on with XXXX for an auto loan I originally had with XXXX who assigned it to WELLS FARGO. I never had an original contract with WELLS FARGO and as the consumer in this unilateral contract, I'm not benefiting. Where are my payments going? WELLS FARGO used my credit card-15 U.S. Code 1602 - Definitions and rules of construction- ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Who is 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 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over XXXX points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is communicating and reporting on my credit reports in attempt to collect a debt on behalf of XXXX XXXX, account XXXX. After i requested debt validation on XX/XX/2022, on XX/XX/2022 Portfolio Recovery sent me a response in the mail with documentation stating they had the right to collect on this account, which is misleading and not true. I looked up on the XXXX that this company is not licensed to collect debt or practice debt collection in Nevada. Portfolio Recovery is violating my rights under the FDCPA by misleading me to think they had the legal right to collect on this account and is in noncompliance with Nevada legal statue ; XXXX XXXX ; XXXX required ; exception. 
1.Except as otherwise provided in this section, a person shall not conduct within this State a collection agency or engage within this State in the business of collecting claims for others, or of soliciting the right to collect or receive payment for another of any claim, or advertise, or solicit, either in print, by letter, in person or otherwise, the right to collect or receive payment for another of any claim, or seek to make collection or obtain payment of any claim on behalf of another without having first applied for and obtained a license from the Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: TX

Complaint narrative:
For the last few months Albert bank has been charging me a {$9.00} fee and because my info didn't match with how the so called account was opened I am guessing because they stopped responding, they have not closed it. Apparently this is an ongoing thing because they charged me again a few days ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: GA

Complaint narrative:
To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-08-20 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: NV

Complaint narrative:
Navy Falderal improperly reported missed payments. Which is false reporting and is against of FCRA. Also no payment was due until XX/XX/2022. So no payment was to be made in XXXX, XXXX or XXXX. Hardship letter was sent 3 different times through the online messaging app for Navy Federal.

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