vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 XXXX charged my CashApp card for a cancelled subscription. I contacted skillssuccess immediately and was advised I would not be receiving a refund even though Ive never used their services or intend to use there services. I advised I would dispute with my bank. I then filled out the dispute with CashApp on the information that I was charged after a subscription was cancelled. CashApp then responded by stating the the transaction followed protocol and they were denying my dispute. Based on their response, I feel that CashApp has violated the law by denying my dispute. I have reached back out to CashApp to advise them I have filed a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I notified XXXX  of fraudulent charges to my account in XX/XX/2022. I called on several occasions, but the balance remained on my account. After several months of them reporting this to my credit report, my score dropped by more than XXXX points on Experian. I decided to file an FTC Identity Theft Report and send them the appropriate notification. They responded in an email saying : " Your account has been closed. Your unpaid balance has been cleared. No payment ( s ) or action is needed from you. Your account has been or will be reported as closed with XXXX balance. No unpaid balances will be reported going forward. '' All was true for my XXXX report, but the information on my Experian Credit report regarding this XXXX account continued to impact my credit score negatively. 

I disputed this negative information with Experian by providing XXXX 's email and the letters I had sent them. Experian denied my dispute and refused to update this information ; instead, Experian placed a false consumer statement and fraud alert on my file that I did not authorize.

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 2022-10-16 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: GA

Complaint narrative:
I have paid off my balance on this card, but they have not updated my available credit with the reporting agencies for months! Many other people are having the same problem! 

What is being done to investigate Comenity bank? Their systems have been down for months now. I filed a previous complaint for not being able to utilize my card, but I received no resolution to the problem. Take a look at their XXXX  page which is filled with customer complaints and robo-responses from XXXX. What else can we do to raise the alarm? To whom else do we complain?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 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:
I have three fraudulent accounts that are someone using my identity to open up these accounts. 

XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX - {$100.00} 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 2022-10-16 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: Williams & Fudge, Inc
State: NC

Complaint narrative:
15 U.S. Code 1681 - 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. 

Williams & Fudge XXXX Inc. wrote the below statement on my last complaint and have yet ceased from reporting to all three credit bureaus! 

XXXX XXXX XXXX, stated The account was satisfied in full on XX/XX/2022 At that point, the account was closed on XX/XX/2022 and returned to the client as such. Upon closing the account as paid in full, XXXX ceased acting as a data furnisher and updated the credit reporting agencies to remove the previously reported information associated with this account. Should the consumer have additional questions, they are encouraged to reach out to XXXX XXXX XXXX, who is Williams & Fudge , Inc. Ombudsman. He is available and may be reached via phone XXXX, or by email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: U.S. BANCORP
State: MD

Complaint narrative:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my nam

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 2022-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: IL

Complaint narrative:
I was making payments on my student loans through an income based repayment plan when I returned to graduate school in XXXX. I was placed in an " in-school deferment '' without consent. When I called to inquire, I was told this was a mandatory process and that I " could make payments but why would you? '' I was young and did not understand, so I trusted the rep. My loans changed hands so many times, it was impossible to argue the situation. I finished my degree in the summer of XXXX and was still stuck in that forbearance until XXXX of XXXX. The hassle of getting out of deferment was more complicated and I left it alone. A few years after graduating, I went back to school in XXXX and again my loans were put into an " in school deferment '' during the COVID-19 pandemic. The loans again changed hands before I could resolve the issue. As a result, I do not get credit toward Public Service Loan Forgiveness for months that forbearance was forced upon me without my consent. Because my loans have changed hands so often, I can not even remember who had my loans at each point in time. I know I have had loans through XXXX XXXX, XXXX, XXXX, and more. They are now owned by Mohela since I am working toward Public Service Loan Forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
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. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX 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 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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX Mortgage loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX Mortgage that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX Mortgage or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. Accounts & inquires 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, 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

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: CarMax, Inc.
State: TX

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 Auto : # 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
Already called directly multiple times I have XXXX XXXX they are not a preferred provider for XXXX XXXX XXXX where I live and they contract with them for the X-ray at the er I am not sure multiple calls to XXXX XXXX XXXXt XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022

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 2022-10-16 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I aksed BofA to transfer through XXXX XXXX {$20000.00} from my checking account to my credit card ( XXXX XXXX XXXX XXXX XXXX managed by XXXX XXXX Bank ) in XXXX XXXX Bank. 
BofA issueed a check and mailed it on this date to XXXX XXXX Bank. 
This amount of money had never reached my account. On the back of the check appears a stamp of XXXX XXXX Bank with an unexisting account ( I escalated a research within XXXX XXXX Bank ) and they said that this is an encript account and does not exist in XXXX XXXX Bank. 
There is nobody in the branches of BofA to whom I can talk. It possible to comunicate with them calling the checks fraud department. The answers the are giving me that I have to wait XXXX business days for the resolution of the claim I filled on XX/XX/2022 and they are not able to refund me meantime. 
Please 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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Debt Recovery Solutions , LLC in XXXX of 2022 in the amount of {$1500.00}. First and foremost, Debt Recovery Solutions violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Secondly, what obligation do I have at all to Debt Recovery Solutions? I have never heard of them, have no written contract with them, and have never received any benefits from them, yet Debt Recovery Solutions has submitted negative information to all three credit reporting agencies against my name and social security number and is demanding payment from me in the amount of {$1500.00}. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Debt Recovery Solutions is breaking the law by negatively reporting this information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Conn's, Inc.
State: TX

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, 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 XXXX 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 response to consumer: Closed with explanation