vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: IN

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

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

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

Company public response: Company 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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My phone was in purse it was taken by some known to me she shelled herself XXXX. Bu using my Face ID password. I didnt XXXX this account at all. They took it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: MD

Complaint narrative:
In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. 

I returned that item back to them now 6 years ago. I do not owe this debt to anyone.

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 2022-09-29 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:
Right to privacy two accounts were sold to different companies and it is effecting my credit score, most accounts and inquiries are over seven years old

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 2022-09-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # 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 withoutmy 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 2022-09-29 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: TX

Complaint narrative:
I have not received points from Sony rewards using a XXXX credit card since XX/XX/2022. 

Contacted Sony Rewards on XX/XX/2022 which was responded the issue needs to be addressed with Commenity Bank. 

Cotacted Commenity XX/XX/XXXX and XXXX, 2022 which was told my account will be updated as soon as possible. However, points have not shown for months and 2 weeks since contact and still no updates. 

The card is still being advertised that reward points will be given out for purchases, but no rewards are being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: IL

Complaint narrative:
XXXX XXXX has been charging me late fees forever. I have tried several times to get them to change my payment due date from the XXXX of every month to the XXXX of every month. I get paid the XXXX and can pay the car loan payment every XXXX. They have continuously said that they would change the payment date and they have not. Therefore my payments are always showing up late. and I can not do anything about it. On XX/XX/XXXX I received my next payment I tried to call them again to change the due date and nothing came of it. I sent the payment online on the XXXX but I realized about a week later that nothing was coming out of my bank account I log back in to XXXX XXXX and realized there was an error with my bank account, and I resubmitted the payment therefore the payment did not process until XX/XX/XXXX marking it past 30 days. I have tried explaining this to XXXX XXXX but they have been rude and they are not willing to listen to me. They are very quick to help when they want to get paid, but when I tried to communicate with them that this was an error that I have been paying my car note every month they will not help me and they will not remove this from my or my husbands credit report. They are not being very helpful. I do not agree with they way they have handled this, since this has dropped my credit score XXXX points. That is a lot and it is not ok that this company can do such a thing to a consumer who is making monthly payments every month and there was an error in the processing. I have tried to find proof of the initial attempt but I have none since there was an error the payment simply did not go through the first attempt. They have thrown it in my face that my payments were never on time, even though I have tried to change the due date for a while now. They finally changed the due date to the XXXX once the damage was done because I was very upset, but they are willing to do nothing regarding my credit score and what they have done. I need help in this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By law I'm entitled to a free credit report on XXXX, Transunion llc, is keeping my consumer credit report information hostage ; it's a unjust system. This is predatory and life-threatening, as it prevents me from verifying the accuracy of my consumer report. I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Transunion, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from transunion. I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. My consumer report contains an error, I have the legal authority to ask transunion which report my consumer reports under the FCRA. I called transunion over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent transunion my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am a victim of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
I recieved a wage garnishment from a company called XXXX XXXX XXXX but I never even recieved any documentation on this debt. The debt has not been validated and I never even recieved court documentation to allow wage garnishment. I called the company and they told me the creditor is XXXX, a company Ive never heard of, and they gave me the phone number to that creditor and when I called that creditor, multiple times, the prerecorded message states they are XXXX  but when someone answers the phone they are denying they are XXXX  and denying any affiliation with XXXX. I feel like this is fraud and I dont want my money going somewhere I dont even know that Ive never even heard of or that I dont owe a debt to and to a place that says they arent even the creditor that was told they were. They are also calling my phone before XXXX  XXXX  every single day and every single day while I am at work. I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: IN

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

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

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

Company public response: Company 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 2022-09-29 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: IN

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: PA

Complaint narrative:
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: PA

Complaint narrative:
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my report

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2022, I filed Complaint IDXXXX t with the CFPB because of several mistakes made by Truist Financial in the administration of my checking account. 

On XX/XX/2022 I received instructions from the CFPB portal to contact XXXX XXXX XXXX, Client Resolution Specialdistat Truist Financial at ( XXXX ) XXXX. 

From XX/XX/XXXX until XX/XX/XXXX I left 8 phone messages for XXXX XXXX at the number that I was provided and heard nothing until I received a letter from her dated XX/XX/2022 but postmarked XX/XX/2022. 

In her letter ( attached ), XXXX XXXX pointed out another time that Truist Fiancial had mishandled my account and she suggested that I request monthly bank statements from them. 

Truist did not resolve my problem and I was unable to speak with XXXX XXXX, despite that being the solution provided by the CFPB.

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 2022-09-29 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: PA

Complaint narrative:
I made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do any business or extend my credit to this company. I didnt understand the meanings and it was not clear and conspicuous to me at the time. Because of there is no evidence of a debt only these papers of some type of copied papers of statements. The agreement should be voided because I made a uniformed decision and didnt understand. I could have made a better choice if I knew the details in full. 

There has to be more of a better understanding for consumers in these types of situations.

Company response to consumer: Closed with explanation