vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 2022-10-31 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I purchased a couch through XXXX XXXX on XX/XX/2022. I applied for a credit card to purchase the couch. The credit card company is called Comenity. We were approved for {$1000.00} which covered the entire cost of the couch. Since XX/XX/XXXX, we have made ALL payments on time however, nothing has been reported to the credit bureau. When I look up my credit report, it shows that the line of credit is still being used at 100 %. That is not true because we have made payments on time every month. We called the company and the representative stated that As you know, the system had been down for 3 months. And that It is not their fault, its the credit bureaus fault. We paid another payment and nothing still has not been reported to the credit bureau, which is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I dispute this claim with my back and credit agency, I do not have an account with this company, and never had.i haven't made any payments or withdrawal, no record of the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
n 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 2022-10-31 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: IL

Complaint narrative:
n 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 2022-10-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 2022-10-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an account fraudulently opened under my name, XXXX XXXX I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved. I have hired legal counselor and this is my last anf final attempt to resolve this issue before i file a lawsuit to all parties involved for tarnishing my good name and damaging my credit

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am in the process of disputing a entry on my Experian XXXX report for my vehicle VIN # XXXX. 

The report ( attached ) indicates that my car has a odometer problem due to the following entry : " XX/XX/XXXX XXXX XXXX XXXX  XXXX miles Auto Auction REPORTED AT AUTO AUCTION '' This entry is clearly incorrect as the prior entry made on XX/XX/XXXX shows XXXX miles and the next entry made on XX/XX/XXXX shows XXXX miles. 

Moreover, I have run a XXXX report ( attached ) on this vehicle which has no record of this incorrect odometer entry. 

I would like XXXX to resolve this issue by removing this incorrect mileage entry. The incorrect odometer entry in the XXXX report for my car has significantly reduced the resale value of the car and financial damage to me each day I can not sell my vehicle while waiting for XXXX to complete their verification. I would like for XXXX to address this issue as soon as possible. 

On XX/XX/XXXX I contacted XXXX via their customer support email and received an automated reply that XXXX # XXXX has been created. 

On XX/XX/XXXX I received a followup from XXXX customer support that " In answer to your inquiry, the event has been submitted for verification to our data source... please consider our time frame is 1-3 business days to deliver a response. '' As of XX/XX/XXXX after not receiving any further communication from XXXX I called their customer service number asking for an update on my case. The customer support representative informed me that they are still verifying the information from their data source and did not know when this could be completed. They stated that I could speed up the process by contacting the data source myself but after asking to provide the contact info for this data source they stated that this information could not be provided and all I can do is wait for them to complete their verification, which as I state again, has no confirmed XXXX or timeline. 

I find this response to be unacceptable given the negative repercussions consumers experience due to XXXX 's incorrect reporting.

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 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by XXXX XXXX XXXX by them claiming that my XXXX owes an alleged debt while there violating my fundamental right to privacy. I was unaware that XXXX XXXX XXXX was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt XXXX XXXX Claims is my personal debt along with my personal information was sold to them by Capital One. I never agreed to that. After realizing that XXXX XXXX XXXX was unethical, I decided to look into their license to collect debt in California. XXXX XXXX XXXX is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from XXXX XXXX XXXX because I can not obtain goods for my personal, family, and household benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
I'm not using any third party for this matter and I represent myself by myself. Please note, this is not a duplicate complaint, this is complaint due to new evidence. On XX/XX/2021, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2021, stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? XXXX never did a fair investigation according to the 15 USC 1681. This is the name of account as it listed on my report XXXX XXXX XXXX XXXX. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. I have attached to this copy of letter to the court and from the court. Copy of my social security number and my ID, proof of address, so you can verify my identity.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I got alert from Experian that my credit score dropped tremendously I then logged in my account to see why and there was no changes on my account i have made all my open accounts payments on time and there was no collection added on on my credit report so there has been a credit score reporting error to my account i also contacted XXXX XXXX and the informed me that they do monthly report my on time paymants to Experian credit bureau.

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 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/2022 I submitted a Public Student Loan Forgiveness waiver to Mohela who is the new loan servicer for federal loans. I have not heard back from Mohela about my PSLF waiver and it is now XX/XX/2022 the final deadline for the PSLF waiver.

I need to know the status of my PSLF waiver that I submitted on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
XX/XX/2022 I received my papers to sign for my loan modification, I sent them all the required paper work that flagstar ask for paystubs, hardship letter and a copy of my deed and I still have not had this issue resolved. There is a name on my mortgage papers and flagstar says its also on my title. Everytime I call flagstar I get a new person and I have to start all over again with this process. I had a point of contact but everytime I call and ask to talk to him he is either busy or out of office. His name is XXXX XXXX loss Mitigation department at flagstar bank. XX/XX/2022 I spoke with a gentleman from flagstar named XXXX he told me he would send out a rough draft of loss modification with just my name on it and I still havent seen that.And now they terminated my loan and I have until XXXX to come up with 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I purchased a used auto financed through Global Lending. Monthly payments were made in the amount of {$390.00} during XXXX. So in XXXX I made a balloon payment in the amount of {$4000.00} and requested that this payment be credited toward the principal balance. As of XX/XX/XXXX this has not happened even after at least 3 phone calls with various customer reps. If this had been done as requested I would have saved over {$1500.00} in interest charges alone. Isn't this illegal. One attached document shows {$3200.00} as a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CT

Complaint narrative:
On XXXX XXXX NetSpend made a debit charge without my permission in the amount of XXXX. I deposited XXXX on XX/XX/XXXX at XXXX XXXX NetSpend claims falsely that I had an old account that was in a negative balance status. NetSpend transfered the {$96.00} from my current account to the old account they said was in negative balance status. My issue is NetSpend is a pre-paid service, meaning you put money on the NetSpend card to use it.. without that you can not use the card. So how could I have a negative balance status? NetSpend never gives money.. you must put money on the NetSpend card to use it.. NetSpend stole my money by lying saying I had a negative balance status so without my permission NetSpend made a debit on XXXX XXXX a transfer to another old account I had with NetSpend. I owed nothing to NetSpend whatsoever.. like I said NetSpend is a Pre Paid debit card.. you must put your own money on the card in order to use it. On XX/XX/XXXX I put XXXX of my own money on my NetSpend card. NetSpend had no right taking my money!!

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 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I applied for an Avant Credit Card approximately 2 months ago and was approved for a credit limit of {$1500.00}. Since Ive had the credit card Ive paid off an annual fee on it and Ive made small purchases and paid off the card. I was planning on using the card on an upcoming vacation and found that my credit limit decreased by {$1200.00} to {$300.00}. That is not the limit I applied and was approved for and I havent used the card except for the last few days of XX/XX/2022. I was at a store and found out my limit was decreased while paying for my purchase which caused me undue embarrassment emotional distress and shame because I havent missed a payment and my credit score in is in the high XXXX around XXXX. Ive called the company twice and the representatives were very hostile and rude and would not explain the reason for the decrease and Ive asked to speak to management. Can someone please help me. Thank you.

Company response to consumer: Closed with explanation