vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 a 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 2022-09-14 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 XXXX n cant provide to my XXXX  year old daughter 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 explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter 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 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
I am Complaining about ; Remex Inc XXXX XXXX XXXX, XXXX, NJ Report them to the " CONSUMER FINANCIAL PROTECTION BUREAU '' ( CFPB ) Fill out the form. Dont let them intimidate you. Dont be so quick to pay. You do not owe them anything. They bought these accounts for pennies from the actual creditor. If you wish to pay, then pay the creditor/s directly do NOT pay these people. Request they validate the debt. 

According to reps XXXX, XXXX, XXXX, at Remex Inc during a phone conversation that On XXXX of 2016 I was XXXX from XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX in XXXX NJ. And XXXX XXXX XXXX XXXX, MD who performed the XXXX on me 's office has billed me a bill of a service according to them was performed on the XXXX of XXXX and it went to Remex XXXX, and Remex reps claim that the hospital care insurance only covered from the XXXX of XXXX to the XXXX. 

I've sent them proof of my XXXX responsibility of that bill, and verified XXXX XXXX XXXX XXXX XXXX that the only time the XXXX performed on me, or seen me was during the period of XX/XX/XXXX and XX/XX/XXXX, which is covered % XXXX on the hospital care insurance that I've provided. Case in point, other bills were issued by the same office and they were paid in full by the insurance. 

As of the communication with Remex, they have not been able to provide me with any proof of the validation of the bill. They have not been communicative at all with me, and they claim that it's against their policy to communicate by email, or any digital means. They only allowed me to either Fax them the proof or Physically mail it to a po box . The physical address they have on their website, is a commercial address of many companies, and can't be located.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Lending Point adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Lending Point, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Avant/WebBank adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Avant/WebBank, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of XXXX on my part. Also I felt I am being taken advantage and ignored.

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 2022-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of XXXX on my part. Also I felt I am being taken advantage and ignored.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I opened an Arhaus Credit Card through Comenity bank that provided a 0 % interest rate for 18 months. If unpaid in full at the end of the term, the interest from each monthly billing cycle would be charged. At the end of the term I tried logging in to my Comenity bank member site to pay my balance in full but the system was not working. After Bread Financial acquired Comenity, they recognized and reported that they were experiencing glitches with their systems. As a result I missed my payment deadline and the full interest of $ XXXX was charged to me. I called, email messaged and wrote a letter to Comenity disupting this but they maintain that the $ XXXX in fees is accurate. I have since paid my balance in full to avoid any additional late fees but I'm asking you to advocate for Bread Financial to refund me the interest. 

Secondly, when I paid my balance in full on XXXX, Comenity sent me another statement charging me an additional {$180.00} in fees on a balance of {$0.00}. I again had to call them and this time they agreed to waive the fee. 

I am incredibly disappointed in Comenity and there being zero consumer protection in these circumstances. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.

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 2022-09-14 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, I did not give consent for the loan from XXXX  XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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 XXXX XXXX XXXX XXXX with a account number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX  in XXXX as stated on my report. So their validation from XXXX that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.

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 2022-09-14 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: IL

Complaint narrative:
I have been disputing two errors on my credit report with Experian for the past 2 years. There are two bankruptcies on my credit report that I have explained to Experian, that they arent mine. Ive let them know on several occasions that my purse was stolen some years ago and that I had a fraud alert put on my credit because of it. I told them that I never filed bankruptcy in XXXX and that these bankruptcies arent on any other credit bureau reports, but theirs. I contacted the Bankruptcy court and they stated that they did not verify nor validate any of that information to any credit bureau. I have been doing this same dispute with them every month consistently, for the past 6 months and they have kept it on my report. Stating that their investigation deemed it true that it was mine. When I disputed it on XX/XX/XXXX, they closed it on XX/XX/XXXX, stating that it was to remain on my credit report. I have sent documentation to them confirming that the court stated they didnt verify that it was my information. Experian even went as far as to tell me that at some point, that my credit report and someone elses credit report was mismatched with one anothers. But that they fixed the errors and that everything on my report now with them, is indeed mine. This is an issue for me, as there are addresses attached to my credit report that arent mine. And two other accounts that arent mine, as well. Which proves that this error on their part, has not been fixed. But the issue that is the most imperative for me to be resolved, is the two bankruptcies that were filed in XXXX  on my report, that need to be removed ASAP. As this has been an ongoing issue for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union and all three credit bureaus must provide copies of any documents and any tests used to report the auto loan charge-offs. They must provide me a copy of any and all documents used as legal instruments to charge-off my account. Specifically, each of you must show, in yousr response, a copy of any and all promissory notes, including terms and conditions, used to justify placing auto loan charge-offs on my account. Note : If there are two different promissory notes, you must show them. NFCU and all three credit bureaus must address the charge-offs. The charge-offs and credit scoring must be reversed and removed from my account history and from my NFCU account, today. No frivolous responses will suffice. Justify what each of you have done, in accordance with credit reporting laws, XXXX  XXXX laws on charge-offs, and all pertinent laws. Confirm whether I have been removed as a member of the NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunset Solutions Group, LLC
State: GA

Complaint narrative:
Sunset Solutions Group has called me several times using the phone numbers XXXX, XXXX, and XXXX. When I looked up this company on the website, I discovered the Toll Free number : XXXX and the Corporate Headquarters address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX. 
I made repeated attempts to call them and tell them that they were calling the wrong number and should be looking for someone else. My phone number will be removed off their list, they told me. But I'm still getting calls. I find this so frustrating because in addition to contacting the incorrect number, people are also receiving threats from this company. In order to resolve this issue properly, kindly assist me please.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is refusing to refund my federal student loan payments made during XXXX even though XXXX is directing them to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NC

Complaint narrative:
On XX/XX/2022 The Department of Education sent updates to remove account and all negative information from my credit file to the 3 reporting credit agencies. Information was removed from XXXX and XXXX. Equifax is stating they never received information and had me file a dispute. Called Equifax on several occasions during this time period was told The Department of Education has not sent updated information or responded to dispute filed. Was told by Equifax to call The Department of Education back and get them to update information XX/XX/2022. Called The Department of Education on XX/XX/2022 and was told that they have not received any correspondence from Equifax and that they are not able to send another update about account to Equifax. I feel that I'm not able to get situation resolved from both Equifax or The Dept of Education. I've sent letters from The Department of Education and all other correspondence showing that my loans are not in default and they have been rehabilitated and unable to get this resolved.

Company response to consumer: Closed with explanation