vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: SC

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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7400.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX 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 these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I saw some unknown source to collect a debt and disputed it on XX/XX/2022 asking for debt validation with itemized bill and signature agreeing to pay said debt they're claiming I owe. I received a notice that does not contain any of the information it's only a letter that says I owe the money with no further explanations on it validating the claims. I called the company to obtain the correct information and tell them I did not receive anything in compliance in validating the debt and was spoken to in foul language and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I have made multiple attempts to reach out to Toyota Financial at ( XXXX ) XXXX to retrieve my refund of {$740.00} as indicated in my letter dated XX/XX/2022. At no time was a refund check issued to me for {$740.00}. Upon speaking with the representatives on multiple occasions, there was unfortunately no resolution. I would like to cite the XXXX act in regard the aforementioned issue. A notice providing reimbursement in regard to a coverage that was purchased was sent indicating there was a refund to be issued, but unfortunately no refund was issued. There was a claim that this refund was issued, but the individual on the phone was unable to identify anything specific and indicated they were reviewing with a department, but only kept me on hold for an indefinite amount of time ( on each call ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters disputing fraudulent accounts on my credit report. I never receive any response from the bureaus for 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX  in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein 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 explanation
Consumer complaint received 2022-11-02 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02 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: CA

Complaint narrative:
in accordance with the Fair Credit reporting Act XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Contacted myprepaidcenter.com to get a replacement card that expired last year. The card was valued at {$84.00} as of XX/XX/21. When I found the card today it is now worth {$3.00} from fees to get it replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Have called numerous times regarding a student loan refund. On XX/XX/2022 I called MyFedloan and a refund request was submitted. Called XX/XX/XXXX and was greeted with an automated messages saying my refund was processing. Called again XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to which I was greeted with the same auto response stating the refund is processing. I called again on XX/XX/XXXX and went to the regular menu. No auto response regarding my refund request, so I spoke to a representative who confirmed it was still processing. On XX/XX/XXXX I called again and was greeted with an automated messages that states MyFedloan does not service my loans and they were transferred to XXXX. I called them to get some information and was told they have no record of me being a customer and that it may take until XXXX to sort through the new accounts and at the point I would have to resubmitt my refund request. I immediately called MyFedloan back ( XX/XX/XXXX ) to confirm this and MyFedloan stated that it does not matter the loans were transferred and they can see my refund request was approved by the DoE on XX/XX/2022. They stated I should expect the refund shortly. Today is XX/XX/XXXX and I have not received anything to date so I called MyFedloan again today and was told by a representative that they can see it was approved but I will not receive anything and will need to re-request it through XXXX once they set my account up. Reading online and seeing that people requested around the same time I did and received their refund in half the time is a little concerning considering my refund request was approved since XX/XX/XXXX after having been requested on XX/XX/2022. Any information regarding this would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that 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 2022-11-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I called Credit card company at least three times over last three months to resolve the duplicate billing. Here are the content of the letter that I send today ( XX/XX/XXXX ). 

This is a follow-up in writing to dispute a charge of {$2000.00} to the credit account on XX/XX/XXXX, Account XXXX. ending in XXXX. Please note, I had disputed the charge when I first got the bill in XX/XX/XXXX from Synchrony by calling and stating that the charge is in error. I further explained that the amount appears to be billed twice on two separate credit cards, one under my name and the other on a joint account ( ending in XXXX ). Please note that the {$2000.00} under my name Synchrony Home account number ending in XXXX was paid in full. In addition to reporting the duplicate billing, I closed the account on my name, closed and disputed the joint account amount. As a result, I got two letters in response. First letter dated XX/XX/XXXX, stating that my Synchrony Home account ( account no ending in XXXX ) has been closed and that I have XXXX balance. Second letter dated XX/XX/XXXX, stating that Synchrony bank is reviewing the disputed claim requesting 60 days to Synchrony to review the claim. 
As, of XX/XX/XXXX, I have not received any correspondence from Synchrony Bank on what was the outcome of the dispute. In addition, I received a bill dated XX/XX/XXXX that has charged a late fee of {$39.00} on the disputed amount of {$2000.00}. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of two letters from Synchrony Bank and the bill that I received on XX/XX/XXXX on the disputed amount. Now that over 90 days have passed by since the dispute was reported, I am looking for an expeditious resolution/response from Synchrony Bank 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 2022-11-02 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: VA

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. 

Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of edXXXX 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 all violated my rights.

15 U.S.C 1681 section 602 A. States 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

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have requested for Transunion to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.

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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I have sent Credence Resource Management the Federal Trade Commission Identity Theft Report, Report Number : XXXX, and XXXX 's filled out and signed copy of their Fraud Management Form as proof that i indeed was a victim of Identity Theft and multiple accounts were opened in my name. I was never given a full account number from XXXX XXXX nor Credence Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I have had problems with my BJs Mastercard credit card serviced by Comenity Capital Bank since their XX/XX/2022 software change. The first problem was that my credit card was denied during my XX/XX/XXXX vacation that their Customer Service attributed to the recent software change and took a couple days for fix the problem. Since that time I have consistently had problems receiving my Awards dollars ( or XXXX XXXX  ) when I make purchases at various BJs locations. My current Awards dollars ( or XXXX XXXX  ) balance as of today is {$230.00}. It's impossible to reach a live person via their XXXX XXXX at XXXX as I've waited XXXX minutes multiple times before giving up. I have also sent multiple Secure Messages via the BJs/Comenity website and received back non-sensical canned responses. For months the following has been posted under their Awards tab : " Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. '' I have repeatedly requested a {$230.00} credit be added against my credit card balance with no response. I will be paying my remaining balance in XX/XX/2022 and will no longer use this credit card until BJs/Comenity fix problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX  I went online to XXXX I placed an order and it was for {$26.00} and I paid it thru XXXX XXXX XXXX XXXX XXXX ( XXXX ) Then I seen a charge at about the same time for {$28.00} thru Citi Cards. I thought at first that is where I got the order that I placed at XXXX. So I called Citi Cards and disputed the overcharge of {$1.00} to make it {$26.00} and they did. Later I was checking my XXXX  account on line and it says that is the card I used and ( See attached ) I had wrote that on my receipt too. So I called Citi Cards on XXXX XXXX, XXXX  and disputed the rest of the {$26.00} amount. The lady I spoke with asked who lived in the house besides me and I said my wife XXXX and no others had the card. She noticed that was not the name, and I asked that was not the name of the person that made the purchase, and she said yes, NOT XXXX or XXXX. and I told her that was the XXXX card scammed in a row. She then tells me they will remove the {$26.00} within 2 days. The on XXXX XXXX I called back to Citi Cards and they had not removed the {$26.00} as they said they would and the guy says they didn't do it cause I or they had been disconnected, which is not true. So he says he will, and 7 days later on Citi Cards website, there is no dispute happening and nothing has been done so far, and the charge of {$26.00} is still there.

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