vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
A company named Security Credit Services which also seems to do business as XXXX XXXX has reported a fraudulent collection of {$960.00} to my credit report. I have tried to resolve this issue with them but they seem to outsource all of their work to a company named XXXX XXXX XXXX and there does not seem to be anything that company can do to resolve my issue. The original debt was created with a company named XXXX XXXX, XXXX on XX/XX/2021 by someone who impersonated my identity and committed fraud. I do not know who this person is and was only made aware of the issue when I found the collection on my credit report. I have since filed a police report with the XXXX XXXX Police Department in XXXX XXXX, Virginia. I have called XXXX XXXX in hopes to clear this up. I have called Security Credit Services to clear this up. I have shared the police report information and besides the fact that I have little idea how to navigate these companies, they are not able to help me clear this up and get the information off my credit report. Specifically, the people at Security Credit Services are rude and not interested in helping to resolve this issue. I have disputed this with each Credit Reporting Company including XXXX, XXXX and XXXX with mixed processes and mixed results. XXXX has deleted the collection account from my report. XXXX still doesn't believe they have enough information. I have not heard back from XXXX yet. These companies are really hard to work with in a modern world. They have archaic systems, their phones are set up to push you to postal mail or their website and they seem very interested in selling their protection services more than they do resolving issues related to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.

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 2022-11-01 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 sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2020 I received an email about unusual activity on my chime account, since then I have been emailing back and forth to Chime Support to regarding my balance that have been left in my account after the closure of my account. Chime requested several documents that I sent over for verification. Were now 2 years in and Chime has not sent me my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-01 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: CT

Complaint narrative:
I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately

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 2022-11-01 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: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
In the month of XXXX, I was a victim of identity theft and filed an FTC report and a police report in XXXX. I notified XXXXPacific Royal Funding of my hardship and my ability not to pay because of me being a victim of identity theft and money being stolen from my bank account I have since then sent them numerous requests asking them to remove this late payment from my credit report which in return they failed to do so on every occasion the negative remarks on my credit report are affecting tremendously by law any inaccuracies accrue to me must remove due to me being a victim of identity theft. i just want this matter to be took seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In XXXX I closed my account with INDIGO - XXXX XXXX  Genesis FS Card Services with a balance of XXXX, they then sent me notification via usps mail that my account was closed with a balance of XXXX. On XX/XX/22 I received an email that a XXXX $ payment was due on the account, I then called they informed me the payment was XXXX I have called 3 times and they state there was a returned payment in XXXX that I wasnt aware of. I then asked how did my last payment go through and they inform the account was closed with a balance remaining. They would not transfer me to their fraud department, they state they dont have a record of the letter I was sent either I just need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TN

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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  XXXX XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: MA

Complaint narrative:
Violations of 15 USC 1621. Discover has deceived the integrity of the banking system and credit reporting system. Discover stated a pause in any reporting but Discover failed to honor what was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. 

Was charged {$700.00} in interested in XXXX, XXXX. 

Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. 

Was never credit, and interest kept accruing. 

Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. 

Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.

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 2022-11-01 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: FL

Complaint narrative:
Have sent certified mail 4 times to update my personal information and each time I was advised that the information was updated. I requested a copy of my credit report and received it and my name and personal information has not been updated properly.

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
During the process of preparing to close on a mortgage loan, I discovered Comenity Capital Bank ( Utah ), is reporting in error That I still owe {$6700.00} dollars and has stopped reporting credit activity since XX/XX/2022. 

They said they are implementing a new payment platform and will not report any payment activity for cardholders. 

I have a XXXX balance and owe nothing, yet it appears on my report to the three agencies as though I maxed out my credit card and have not made payments since XXXX. 

Now the loan officer said this is tremendously hurtful to my credit and will cause me to pay more points and pay higher interest on a mortgage loan. I have contacted repeatedly and begged for them to report accurate payments and although they agree that I have been an excellent customer there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: TN

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
Update personal info and delete the accounts violating the FCRA

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 2022-11-01 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: TN

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Pay Pal allowed a company called XXXX charged me {$89.00} on XX/XX/XXXX. I never authorized this payment. Per Pay Pals policies, processes and procedures I have to contact XXXX and tell them I never authorized this payment. 

Pay Pal subsequently took {$89.00} from a payment that I had received from XXXX XXXX on XX/XX/XXXX. The payment was for {$230.00}. I never authorize Pay Pal to deduct a payment from a payment that I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid {$800.00} towards my credit card Express XXXX on the last week of XX/XX/2022 but I noticed it wasnt reflected in my Credit Score up to this present time. It was been almost two months now. I paid all my credit cards and some of my payments registered right away after my payments has been made. And most of them registered to my credit score after couple of weeks. This Express Company doesnt do the same. Its now XXXX! When are they planning to report my payment to the credit bureau? I never missed any payments! Whenever I tried contacting them they will always put me on a long wait and you cant even get a hold of a real person. Its always their computer doing all the talking. Please XXXX help me wirh my Express Credit Card account to update my payment so I could get a better and higher credit score to buy a home Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: FL

Complaint narrative:
Update my personal info and delete the accounts violating the FCRA

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 2022-11-01 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: GA

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. 

XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 non-monetary relief
Consumer complaint received 2022-11-01 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: GA

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. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I recently reached to Midland Credit Management about some accounts # XXXX, XXXX, they are reporting to the credit bureaus without my consent, signed SSA 89 Form, and are also due to identity theft/fraud. I never received documentation nor opted for any of personal information to be shared while never having any contractual agreement with Midland Credit Managment. This inaccurate reporting has since caused future and previous denials of credit and is having a significant impact on my credit worthiness. Due to my privacy and consumer rights being violated which is clear form of Identity theft/ ( MY PERSONAL INFORMATION BEING USED ALONG WITH MY PRIVACY BEING EXPOSED WITHOUT MY CONSENT, I am requesting these accounts to be removed immediately from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: CA

Complaint narrative:
Every time I do a mobile check deposit, chime is requiring me to put deposit at chime only on check. Then they find every excuse to not accept check, one says image quality is poor and then chime says can't accept it. 
This has to be against banking regulations. Because now the check is not valid because I put deposit at chime only. Not convenient and possibly illegal They should be fined for causing problems

Company response to consumer: Closed with explanation