vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: MO

Complaint narrative:
I sent a dispute regarding the date of when this collections was opened on my credit report. I disputed this several times over the last 3 years. My dispute were never investigated and I never received an explanation of why the date was changed. The account was not opened in XX/XX/2019. Which is incorrect information. I even reached out to the original creditor who didn't want to confirm the dates either. I also have not been able to get confirmation about the debt either. am at this point to seek legal action against the credit bureau and original creditor for negligence for not investigation my disputes.

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 2022-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In reference to case # XXXX. Again, I am requesting VALIDATION not VERRIFICATION. A bill or statement does not prove that I owe this Debt. I want you to show me contract with the original creditor and/or resurgent with with my wet signature binding me to this debt. I have never did business with you so you should not be contacting me. I have a right to privacy, according to the fdcpa and fcra. you contacting me and saying something I don't know is harassment. I don't have an obligation to pay anyone that I do not owe. I am demanding that information. In addition, according to 15 USC 1681b ( a ) ( 2 ) permissible purpose, I have never given resurgent or the supposedly original creditor any written instruction to furnish anything on my consumer report. Please send me proof of that with my written instruction and my signature. You claim that you enclosed the original contract with my signature but I don't see it. I am not requesting verification, I want validation. If you cant prove this to me you need to cease collection. I don't want to see a bill/statement I want to see an obligation connecting me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.

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 2022-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Kikoff Inc.
State: MD

Complaint narrative:
This company appears on my XXXX credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my XXXX report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent letter to Equifax, XXXX and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX, 2022. I have not received a response regarding these issues that are negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX separate transactions came out of my Chime bank account in the amounts of {$310.00}, {$100.00}, and {$100.00} from a merchant by the name of XXXX and I did not authorize these transactions nor do I know how you all could have processed them. I have no open rental or any pending charges on my XXXX account. I immediately called XXXX about my concerns and they confirmed that those transactions were not on my account and were not attached and instructed me to contact my bank for the dispute. I called my bank and alerted them of these fraudulent and unauthorized transactions and at the time ( XX/XX/XXXX ) the three transactions were in " pending '' status so they claim they could not do anything regarding a refund but they stated that XXXX did cancel the transactions and they should cancel within 7 business days and the funds should return to my account. On XX/XX/XXXX I checked my Chime account and I saw all three transactions were settled. I called Chime support and spoke with the dispute department and a dispute was filed on my behalf over the phone by a representative. I was given a claim number ( XXXX ) and was I told that I was eligible for a provisional credit and that I should receive a confirmation email with all of this information. Credit never arrived ( of course ) and I got a decision for my dispute less than XXXX hrs from filing it and the decision was DENIED. There are several things wrong with that decision as XXXX and Chime agreed that the transactions were indeed fraud but I had to wait until they stop pending to file a dispute if they weren't canceled off but as I stated above they didn't cancel off as they said they would and they settled so that is why I went the dispute route and got it denied. I immediately called Chime to get to the bottom as to why it was denied and they offered to file a rebuttal but I am not hopeful that they even called the merchant to discuss anything or I would have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I entered into a XXXX related 12 month hardship program that included all of my credit cards with Comenity Bank ( all cc had to be incl and put on hold and could not be used ; this was a requirement by bank to enter their 12 month hardship program in XX/XX/XXXX ). All but one ( XXXX ) of my credit card accounts was removed from the program in error in XXXX, despite the bank requiring all credit card accounts be included. At no point did I ever ask to remove any credit card accounts or to be removed from the initial 12 month program. The bank continued to keep my XXXXXXXX XXXX  open and it continued on the program with automatic payments thru XX/XX/XXXX, which is when the program was scheduled to end. I made numerous calls to the bank regarding the other accounts that were removed in error and disputed the XXXX accounts that were closed with all three credit bureaus, but no resolution has been made to date. Regarding the cc that continued to be open until recently, the bank approved me to be on a new financial hardship program that I enrolled into in XX/XX/XXXX ( also for 12 months ). Again, this new program required automatic payments of {$40.00} per month that they scheduled that have been coming out of my bank acct consistently since entering the program. However, since entering the program in XX/XX/XXXX, I have been billed for the normal ( non-hardship ) amount incl interest and late fees every month and have made numerous attempts to resolve their billing errors and have not succeeded. I just recently learned that my acct is now closed ( after disputing my acct status, payment history, and fees billed in error numerous times with the bank and via each credit bureau )! I spoke to XXXX different representatives on XX/XX/XXXX, who all agreed and can see my cc was on a hardship plan, and they further agreed my account was closed in error ( just like my other XXXX accounts ). The XXXX agents I spoke to ( after being transferred several times ) could not help me because my acct has been closed, I was told the system status code does not allow them to fix my account. Despite making the agreed payments on time every month via autopay per the program terms, the bank has closed my account, they continue to report negative information that is WRONG to every credit bureau, and the necessary corrections have yet to be made, regardless of consistency withdrawing my timely monthly payments throughout the duration of another hardship program. My credit card balance, interest, and late fees are all wrong and my credit has taken a dramatic hit from the ongoing errors reported by Comenity Bank on all of my accounts with them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: World Acceptance Corporation
State: MS

Complaint narrative:
I applied for a credit extension in the amount of {$500.00} and was denied by World Finance XX/XX/22. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to provide for my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card. They received the benefits from my credit card and I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: CLGF Holdco 1, LLC
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 1581 USC 1681 XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to my privacy.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account with out 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any 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 2022-08-14 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: MD

Complaint narrative:
This company appears on my equifax credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my equifax report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent letter to XXXX, XXXX and Transunion to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.

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 2022-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent letter to XXXX, Experian and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.

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 2022-08-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. Nelnet stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX Bank on XXXX, XXXX XXXX on XXXX, Capital One was supposed to be a soft pull on XXXX, And on XXXX Capital One did a hard inquiry when it should have been a soft one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 and I have yet another discrepancy. Please beware everyone and sprint from this bank as quickly as possible!!! I have opted out of overdraft coverage, yet my account is overdrawn by almost XXXX. I called PNC and spoke with a XXXX or XXXX, on XX/XX/XXXX at around XXXX XXXX. She was very nice, but she did not help resolve my problem at all. I explained to her that my account was XXXX dollars and that I was confused because I have not opted in to overdraft coverage. I have screenshots showing that my account is " not opted in '' for overdraft coverage so one would expect for all of those charges to be declined. Yet PNC decides to let the overdraft swell to XXXX and I received an email message out of the blue. I always check my app and the computer version of my online banking and I had XXXX cents in my account on XX/XX/XXXX when I went to bed. The next morning ( XX/XX/XXXX ) I woke up to a message that I was all of a sudden XXXX in the hole when that was never what I saw on the app or on my computer. Mind you, it looks as if the charges that made me overdraft were not ACH charges that were going through. Why was this payment charge not declined if there were not enough funds to cover it? It was not an ACH charge. I did not opt into overdraft coverage for this reason. It looks like a slew of charges came through on the night of XX/XX/XXXX that made it become XXXX and some change overdrew. She explained to me that the order in which charges post is not the order that we see as a customer. She also told me that ACH charges go through automatically. My argument is that these charges were not ACH ( they were point of sale debits, payments, XXXX back-to-school haircut, etc. I would have NOT been spending money if my account had told me the correct available amount that I had in my account. I thought the point of having a " balance '' and " available '' on PNC accounts was so that I can see what my balance is versus what I actually have available to spend. I always see the " pending '' charges and those are usually subtracted to give me an accurate available balance from which I spend money. That was NOT the case this time! She basically told me that there was nothing they could do. I was told that I will now be charged XXXX dollars a day, every day until my account is brought back positive, for overdraft coverage that I did not opt into. I am a hard-working teacher and we only get paid once a month. There are about 10 days until payday. How am I supposed to pay XXXX ( XXXX X XXXX ) dollars in overdraft fees for coverage that I did not opt into? Please help... I am definitely closing this account asap. This is so crazy that a bank can even charge XXXX dollars a day for overdrafts- let alone for overdraft coverage that I did not opt into. I have had enough of PNC!! 
BBVA WE MISS YOU SO MUCH!!

Company response to consumer: Closed with explanation