vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Sandtander ConsumerUSA, was sent XXXX  XXXX and proof of all payments were made on time and no late fees should have been added to my account. I also sent proof of payments history to Release my car. I have overpaid the loan XXXX {$10000.00} ; due late charges, interest added to my installment. I notice the error in 2017 ; and have disputed the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MI

Complaint narrative:
XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: MI

Complaint narrative:
XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MI

Complaint narrative:
XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank has a habit of pending deposit until the time for your overdraft fee has run up so they can charge you a late fee they then allow your deposit to go through into your account but only after theyve charged you a late fee sometimes they will hold the deposit in pending status for a few days and charge you late fees per item they take two or three business days to update their accounts and so there is no way of knowing that youve overdrafted you assume anything thats been purchased with your card is directly withdrawn But it does not show up on your account One example being I have 24 hours to bring my account up to XXXX out of the negative to avoid overdraft fees if I get a XXXX to my account for the exact amount to bring my account to XXXX it stays pending until the clock runs out and they charge me overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I have no knowledge of this account and the agency has been unable to send me the documents I have requested I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Repprting 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, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX, 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 explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX, 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 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon reached out about a medical bill that it said that I owed {$3400.00}. In their form, they asked me to respond on whether I believed this was my debt and if I wanted proof of the bill. I requested that it was my bill as well as the original documentation. They validated my personal information but provided no original bills nor any of my wet signatures. They only provided the account numbers and two creditors ' name. It appears there are two bills that it wants me to believe it's one bill. It is all very unclear. I would like for the creditor to provide the original bill ( s ) as I requested along with my wet signature on any documents that Paragon has in its possession to assure that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX from 2015 sold to secondary agency without my knowledge or approval to Jefferson Capital systems. This violates 15 USC 1681A, 15USC 6802, 15USC 1681B and 15 USC1681N.This states its a violation and I can sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: VA

Complaint narrative:
Unautorized Illegal inquries on Equifax Credit Report. Certified letters XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: LEXISNEXIS
State: WI

Complaint narrative:
in XX/XX/2022 I reached out to lexis nexis to remove information on my national credit file with lexis nexis I recieved letters indicating accounts were removed attached I have highlighted what accounts I want removed seeing that they are XXXX XXXX XXXX and too old to be on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Repprting 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 # XXXXXXXX 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 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 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX opened XXXX XXXX store credit card when I purchased a set of tires the total was {$1000.00} there was a promotional offer of no interest if paid withing 12 months. When I received the 2nd statement in XXXX, interest had been charged. I made first contact with Comenity customer service. I was told that an error could have been made and the person that opened my account did not select the " promotional '' option on my card. I was told they would investigate, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 days. I made 2nd contact with Comenity in XXXX, after that initial 30 days. I was told that it could, in fact, take up to 60 days. They saw the previous notes on my account and it was " in process to be reviewed. '' Due to XXXX, my 3rd contact to Comenity was in early XX/XX/XXXX as the issue had still not been resolved, my account is still accruing interest. I called Comenity customer service and asked to be escalated to a supervisor. I was told by this supervisor that it could take up to 180 days and they had nothing but attitude to offer. At this point I made contact with the original point of sale, I went back to the store I made the purchase and opened the card. They told me that this has happened before and that they would refund the amount of the charge, switch the account to promotional, reapply the charge and it should be good as they have had to do it several times before. The refund and reapplication of the charge did happen, but the interest was still on the account and had accrued more, this time the terminology used on my statement changed it went from " interest for this period '' to " XXXX XXXX XXXX int XXXX XXXX '' as if my account had surpassed the promotional period and was accruing deferred interest. The amount of interest seems to have decreased but it should be XXXX and all the previous interest is still on the account. The terminology has changed again, now saying " Interest charge on purchase. '' I went back to the XXXX XXXX XXXX XXXXXX/XX/XXXX to once again attempt to have the issue resolved. The associate at the store once again helped make contact to customer support, they see all the previous notes, agree on the fact that there is an error on the account and it is accruing interest in error. The Comenity customer service agent calculated the interest, which is currently {$99.00} made note of that and said they would submit a ticket and I should look to hear from someone within 5-10 business days, that was nearly 3 weeks ago. I have not heard anything and the account is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I submitted a PSLF form on XX/XX/XXXX to certify my employment. This form was processed on XX/XX/XXXX with no change to my qualified payment count, although I should have received XXXX payments added to my count. 

I submitted a new PSLF form on XX/XX/XXXX to certify my employment through XX/XX/XXXX and put me over the XXXX qualified payments needed for PSLF loan forgiveness. 

The form I submitted on XX/XX/XXXX was incorrectly marked as a duplicate and cancelled by Mohela. This issue happened to countless other borrowers per online forums. 

When I contacted Mohela via chat, I received no resolution. When I followed up via phone, I was told my form would go back in the queue and it would take an additional 30 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have one address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX. ) My employment is blank. It should be XXXXXXXX XXXX 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 2023-02-10 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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